Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$201,798Cash toward the purchase price.
Closing costs + prepaids$12,840Not just lender fees.
Before credits & paid funds$214,638The complete starting cash picture.
Estimated remaining funds due at closing
$214,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,798.02
Your down payment$201,798.02
Closing costs + prepaids$12,840.38
Total buyer cash needed$214,638.40
Remaining funds due$214,638.40
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%)$1,491.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Prepaid interest, first (12 days)$281.37
Fees + prepaids$12,840.38
Your down payment is the seller’s equity. You take over the $298,202 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $214,638.40 is due at closing. Uses and sources reconcile at $512,840.38 each. Not a Closing Disclosure.