Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$319,953Cash toward the purchase price.
Closing costs + prepaids$12,991Not just lender fees.
Before credits & paid funds$332,944The complete starting cash picture.
Estimated remaining funds due at closing
$332,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,952.67
Your down payment$319,952.67
Closing costs + prepaids$12,991.02
Total buyer cash needed$332,943.68
Remaining funds due$332,943.68
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%)$4,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$800.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,200.00
Prepaid interest, first (26 days)$722.80
Fees + prepaids$12,991.02
Your down payment is the seller’s equity. You take over the $160,046 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $332,943.68 is due at closing. Uses and sources reconcile at $492,990.02 each. Not a Closing Disclosure.