Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$199,250Cash toward the purchase price.
Closing costs + prepaids$12,931Not just lender fees.
Before credits & paid funds$212,181The complete starting cash picture.
Estimated remaining funds due at closing
$212,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,249.71
Your down payment$199,249.71
Closing costs + prepaids$12,930.96
Total buyer cash needed$212,180.67
Remaining funds due$212,180.67
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,503.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$624.00
Initial HOA (3 months)$311.01
Prepaid interest, first (1 days)$25.70
Fees + prepaids$12,930.96
Your down payment is the seller’s equity. You take over the $300,650 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $212,180.67 is due at closing. Uses and sources reconcile at $512,830.96 each. Not a Closing Disclosure.