Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$317,894Cash toward the purchase price.
Closing costs + prepaids$12,613Not just lender fees.
Before credits & paid funds$330,507The complete starting cash picture.
Estimated remaining funds due at closing
$330,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,894.05
Your down payment$317,894.05
Closing costs + prepaids$12,613.18
Total buyer cash needed$330,507.23
Remaining funds due$330,507.23
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$885.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$731.75
Prepaid interest, first (30 days)$577.90
Fees + prepaids$12,613.18
Your down payment is the seller’s equity. You take over the $177,106 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $330,507.23 is due at closing. Uses and sources reconcile at $507,613.18 each. Not a Closing Disclosure.