Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$348,939Cash toward the purchase price.
Closing costs + prepaids$11,789Not just lender fees.
Before credits & paid funds$360,727The complete starting cash picture.
Estimated remaining funds due at closing
$360,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,938.55
Your down payment$348,938.55
Closing costs + prepaids$11,788.86
Total buyer cash needed$360,727.41
Remaining funds due$360,727.41
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$750.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$325.00
Prepaid interest, first (28 days)$255.56
Fees + prepaids$11,788.86
Your down payment is the seller’s equity. You take over the $150,061 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $360,727.41 is due at closing. Uses and sources reconcile at $510,788.86 each. Not a Closing Disclosure.