Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$318,727Cash toward the purchase price.
Closing costs + prepaids$12,562Not just lender fees.
Before credits & paid funds$331,289The complete starting cash picture.
Estimated remaining funds due at closing
$331,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,726.52
Your down payment$318,726.52
Closing costs + prepaids$12,562.18
Total buyer cash needed$331,288.70
Remaining funds due$331,288.70
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%)$4,849.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$831.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$909.50
Prepaid interest, first (29 days)$503.33
Fees + prepaids$12,562.18
Your down payment is the seller’s equity. You take over the $166,272 balance, so the rest of the $484,999 price is paid at closing. A second mortgage can cover part of it. $331,288.70 is due at closing. Uses and sources reconcile at $497,561.18 each. Not a Closing Disclosure.