Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$259,241Cash toward the purchase price.
Closing costs + prepaids$12,420Not just lender fees.
Before credits & paid funds$271,661The complete starting cash picture.
Estimated remaining funds due at closing
$271,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,241.11
Your down payment$259,241.11
Closing costs + prepaids$12,420.05
Total buyer cash needed$271,661.16
Remaining funds due$271,661.16
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%)$1,203.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$362.25
Prepaid interest, first (19 days)$386.01
Fees + prepaids$12,420.05
Your down payment is the seller’s equity. You take over the $240,759 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $271,661.16 is due at closing. Uses and sources reconcile at $512,420.05 each. Not a Closing Disclosure.