Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$312,980Cash toward the purchase price.
Closing costs + prepaids$13,537Not just lender fees.
Before credits & paid funds$326,517The complete starting cash picture.
Estimated remaining funds due at closing
$326,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,979.79
Your down payment$312,979.79
Closing costs + prepaids$13,536.84
Total buyer cash needed$326,516.63
Remaining funds due$326,516.63
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%)$1,010.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,287.50
Initial HOA (3 months)$162.51
Prepaid interest, first (28 days)$458.72
Fees + prepaids$13,536.84
Your down payment is the seller’s equity. You take over the $202,020 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $326,516.63 is due at closing. Uses and sources reconcile at $528,536.84 each. Not a Closing Disclosure.