Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$316,693Cash toward the purchase price.
Closing costs + prepaids$13,548Not just lender fees.
Before credits & paid funds$330,240The complete starting cash picture.
Estimated remaining funds due at closing
$330,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,692.70
Your down payment$316,692.70
Closing costs + prepaids$13,547.60
Total buyer cash needed$330,240.30
Remaining funds due$330,240.30
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%)$911.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Prepaid interest, first (31 days)$930.57
Fees + prepaids$13,547.60
Your down payment is the seller’s equity. You take over the $182,307 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $330,240.30 is due at closing. Uses and sources reconcile at $512,547.60 each. Not a Closing Disclosure.