Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$199,259Cash toward the purchase price.
Closing costs + prepaids$12,799Not just lender fees.
Before credits & paid funds$212,058The complete starting cash picture.
Estimated remaining funds due at closing
$212,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,258.73
Your down payment$199,258.73
Closing costs + prepaids$12,798.99
Total buyer cash needed$212,057.73
Remaining funds due$212,057.73
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,478.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$594.00
Initial HOA (3 months)$125.01
Prepaid interest, first (6 days)$183.28
Fees + prepaids$12,798.99
Your down payment is the seller’s equity. You take over the $295,741 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $212,057.73 is due at closing. Uses and sources reconcile at $507,798.99 each. Not a Closing Disclosure.