Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$308,763Cash toward the purchase price.
Closing costs + prepaids$13,228Not just lender fees.
Before credits & paid funds$321,991The complete starting cash picture.
Estimated remaining funds due at closing
$321,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,762.85
Your down payment$308,762.85
Closing costs + prepaids$13,228.38
Total buyer cash needed$321,991.23
Remaining funds due$321,991.23
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$951.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,445.50
Prepaid interest, first (30 days)$373.70
Fees + prepaids$13,228.38
Your down payment is the seller’s equity. You take over the $190,237 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $321,991.23 is due at closing. Uses and sources reconcile at $512,228.38 each. Not a Closing Disclosure.