Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$210,330Cash toward the purchase price.
Closing costs + prepaids$12,406Not just lender fees.
Before credits & paid funds$222,736The complete starting cash picture.
Estimated remaining funds due at closing
$222,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,330.26
Your down payment$210,330.26
Closing costs + prepaids$12,406.18
Total buyer cash needed$222,736.45
Remaining funds due$222,736.45
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%)$4,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,448.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$464.75
Prepaid interest, first (1 days)$25.24
Fees + prepaids$12,406.18
Your down payment is the seller’s equity. You take over the $289,660 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $222,736.45 is due at closing. Uses and sources reconcile at $512,396.18 each. Not a Closing Disclosure.