Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$306,919Cash toward the purchase price.
Closing costs + prepaids$14,018Not just lender fees.
Before credits & paid funds$320,937The complete starting cash picture.
Estimated remaining funds due at closing
$320,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,918.66
Your down payment$306,918.66
Closing costs + prepaids$14,018.28
Total buyer cash needed$320,936.94
Remaining funds due$320,936.94
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$840.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,352.75
Initial HOA (3 months)$258.99
Prepaid interest, first (27 days)$348.14
Fees + prepaids$14,018.28
Your down payment is the seller’s equity. You take over the $168,081 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $320,936.94 is due at closing. Uses and sources reconcile at $489,018.28 each. Not a Closing Disclosure.