Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$316,722Cash toward the purchase price.
Closing costs + prepaids$11,871Not just lender fees.
Before credits & paid funds$328,593The complete starting cash picture.
Estimated remaining funds due at closing
$328,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,721.75
Your down payment$316,721.75
Closing costs + prepaids$11,871.48
Total buyer cash needed$328,593.24
Remaining funds due$328,593.24
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$791.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$331.50
Initial HOA (3 months)$99.99
Prepaid interest, first (30 days)$430.60
Fees + prepaids$11,871.48
Your down payment is the seller’s equity. You take over the $158,278 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $328,593.24 is due at closing. Uses and sources reconcile at $486,871.48 each. Not a Closing Disclosure.