Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$347,469Cash toward the purchase price.
Closing costs + prepaids$12,206Not just lender fees.
Before credits & paid funds$359,675The complete starting cash picture.
Estimated remaining funds due at closing
$359,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$347,468.65
Your down payment$347,468.65
Closing costs + prepaids$12,206.09
Total buyer cash needed$359,674.74
Remaining funds due$359,674.74
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%)$737.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,038.75
Prepaid interest, first (1 days)$11.68
Fees + prepaids$12,206.09
Your down payment is the seller’s equity. You take over the $147,531 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $359,674.74 is due at closing. Uses and sources reconcile at $507,206.09 each. Not a Closing Disclosure.