Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$360,676Cash toward the purchase price.
Closing costs + prepaids$12,586Not just lender fees.
Before credits & paid funds$373,262The complete starting cash picture.
Estimated remaining funds due at closing
$373,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,675.99
Your down payment$360,675.99
Closing costs + prepaids$12,586.01
Total buyer cash needed$373,262.00
Remaining funds due$373,262.00
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%)$671.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,141.00
Prepaid interest, first (29 days)$355.39
Fees + prepaids$12,586.01
Your down payment is the seller’s equity. You take over the $134,324 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $373,262.00 is due at closing. Uses and sources reconcile at $507,586.01 each. Not a Closing Disclosure.