Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$338,752Cash toward the purchase price.
Closing costs + prepaids$12,308Not just lender fees.
Before credits & paid funds$351,060The complete starting cash picture.
Estimated remaining funds due at closing
$351,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,751.99
Your down payment$338,751.99
Closing costs + prepaids$12,308.21
Total buyer cash needed$351,060.20
Remaining funds due$351,060.20
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$756.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$786.00
Prepaid interest, first (28 days)$397.97
Fees + prepaids$12,308.21
Your down payment is the seller’s equity. You take over the $151,248 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $351,060.20 is due at closing. Uses and sources reconcile at $502,308.21 each. Not a Closing Disclosure.