Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$306,196Cash toward the purchase price.
Closing costs + prepaids$13,568Not just lender fees.
Before credits & paid funds$319,764The complete starting cash picture.
Estimated remaining funds due at closing
$319,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,196.40
Your down payment$306,196.40
Closing costs + prepaids$13,567.54
Total buyer cash needed$319,763.94
Remaining funds due$319,763.94
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$969.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,605.50
Prepaid interest, first (24 days)$525.02
Fees + prepaids$13,567.54
Your down payment is the seller’s equity. You take over the $193,804 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $319,763.94 is due at closing. Uses and sources reconcile at $513,567.54 each. Not a Closing Disclosure.