Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$320,985Cash toward the purchase price.
Closing costs + prepaids$12,505Not just lender fees.
Before credits & paid funds$333,489The complete starting cash picture.
Estimated remaining funds due at closing
$333,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,984.69
Your down payment$320,984.69
Closing costs + prepaids$12,504.77
Total buyer cash needed$333,489.46
Remaining funds due$333,489.46
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$970.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$426.50
Prepaid interest, first (29 days)$490.19
Fees + prepaids$12,504.77
Your down payment is the seller’s equity. You take over the $194,015 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $333,489.46 is due at closing. Uses and sources reconcile at $527,504.77 each. Not a Closing Disclosure.