Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$348,793Cash toward the purchase price.
Closing costs + prepaids$12,222Not just lender fees.
Before credits & paid funds$361,015The complete starting cash picture.
Estimated remaining funds due at closing
$361,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,793.11
Your down payment$348,793.11
Closing costs + prepaids$12,222.02
Total buyer cash needed$361,015.13
Remaining funds due$361,015.13
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$755.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$223.25
Initial HOA (3 months)$308.01
Prepaid interest, first (26 days)$468.22
Fees + prepaids$12,222.02
Your down payment is the seller’s equity. You take over the $151,107 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $361,015.13 is due at closing. Uses and sources reconcile at $512,122.02 each. Not a Closing Disclosure.