Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$236,965Cash toward the purchase price.
Closing costs + prepaids$12,850Not just lender fees.
Before credits & paid funds$249,815The complete starting cash picture.
Estimated remaining funds due at closing
$249,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,965.15
Your down payment$236,965.15
Closing costs + prepaids$12,849.67
Total buyer cash needed$249,814.82
Remaining funds due$249,814.82
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%)$1,315.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$620.25
Initial HOA (3 months)$426.00
Prepaid interest, first (1 days)$20.25
Fees + prepaids$12,849.67
Your down payment is the seller’s equity. You take over the $263,035 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $249,814.82 is due at closing. Uses and sources reconcile at $512,849.67 each. Not a Closing Disclosure.