Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$305,592Cash toward the purchase price.
Closing costs + prepaids$13,067Not just lender fees.
Before credits & paid funds$318,659The complete starting cash picture.
Estimated remaining funds due at closing
$318,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,591.71
Your down payment$305,591.71
Closing costs + prepaids$13,067.49
Total buyer cash needed$318,659.20
Remaining funds due$318,659.20
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$972.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,605.50
Prepaid interest, first (1 days)$21.94
Fees + prepaids$13,067.49
Your down payment is the seller’s equity. You take over the $194,408 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $318,659.20 is due at closing. Uses and sources reconcile at $513,067.49 each. Not a Closing Disclosure.