Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$338,922Cash toward the purchase price.
Closing costs + prepaids$12,632Not just lender fees.
Before credits & paid funds$351,555The complete starting cash picture.
Estimated remaining funds due at closing
$351,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,922.36
Your down payment$338,922.36
Closing costs + prepaids$12,632.42
Total buyer cash needed$351,554.78
Remaining funds due$351,554.78
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$730.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$902.25
Initial HOA (3 months)$192.00
Prepaid interest, first (29 days)$489.78
Fees + prepaids$12,632.42
Your down payment is the seller’s equity. You take over the $146,078 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $351,554.78 is due at closing. Uses and sources reconcile at $497,632.42 each. Not a Closing Disclosure.