Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$316,285Cash toward the purchase price.
Closing costs + prepaids$11,932Not just lender fees.
Before credits & paid funds$328,217The complete starting cash picture.
Estimated remaining funds due at closing
$328,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,284.54
Your down payment$316,284.54
Closing costs + prepaids$11,932.12
Total buyer cash needed$328,216.66
Remaining funds due$328,216.66
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%)$4,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$843.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$324.50
Prepaid interest, first (28 days)$447.55
Fees + prepaids$11,932.12
Your down payment is the seller’s equity. You take over the $168,615 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $328,216.66 is due at closing. Uses and sources reconcile at $496,832.12 each. Not a Closing Disclosure.