Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$252,549Cash toward the purchase price.
Closing costs + prepaids$12,940Not just lender fees.
Before credits & paid funds$265,490The complete starting cash picture.
Estimated remaining funds due at closing
$265,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,549.37
Your down payment$252,549.37
Closing costs + prepaids$12,940.46
Total buyer cash needed$265,489.83
Remaining funds due$265,489.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,237.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$973.75
Initial HOA (3 months)$234.00
Prepaid interest, first (1 days)$27.46
Fees + prepaids$12,940.46
Your down payment is the seller’s equity. You take over the $247,451 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $265,489.83 is due at closing. Uses and sources reconcile at $512,940.46 each. Not a Closing Disclosure.