Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$316,319Cash toward the purchase price.
Closing costs + prepaids$12,455Not just lender fees.
Before credits & paid funds$328,774The complete starting cash picture.
Estimated remaining funds due at closing
$328,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,318.71
Your down payment$316,318.71
Closing costs + prepaids$12,455.49
Total buyer cash needed$328,774.20
Remaining funds due$328,774.20
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%)$893.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$801.75
Prepaid interest, first (21 days)$342.33
Fees + prepaids$12,455.49
Your down payment is the seller’s equity. You take over the $178,681 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $328,774.20 is due at closing. Uses and sources reconcile at $507,455.49 each. Not a Closing Disclosure.