Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$250,019Cash toward the purchase price.
Closing costs + prepaids$12,374Not just lender fees.
Before credits & paid funds$262,394The complete starting cash picture.
Estimated remaining funds due at closing
$262,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,019.49
Your down payment$250,019.49
Closing costs + prepaids$12,374.44
Total buyer cash needed$262,393.92
Remaining funds due$262,393.92
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,199.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Prepaid interest, first (12 days)$220.03
Fees + prepaids$12,374.44
Your down payment is the seller’s equity. You take over the $239,881 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $262,393.92 is due at closing. Uses and sources reconcile at $502,274.44 each. Not a Closing Disclosure.