Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$316,591Cash toward the purchase price.
Closing costs + prepaids$11,618Not just lender fees.
Before credits & paid funds$328,210The complete starting cash picture.
Estimated remaining funds due at closing
$328,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,591.46
Your down payment$316,591.46
Closing costs + prepaids$11,618.15
Total buyer cash needed$328,209.62
Remaining funds due$328,209.62
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$792.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$301.00
Initial HOA (3 months)$273.00
Prepaid interest, first (2 days)$34.11
Fees + prepaids$11,618.15
Your down payment is the seller’s equity. You take over the $158,409 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $328,209.62 is due at closing. Uses and sources reconcile at $486,618.15 each. Not a Closing Disclosure.