Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$324,841Cash toward the purchase price.
Closing costs + prepaids$11,979Not just lender fees.
Before credits & paid funds$336,820The complete starting cash picture.
Estimated remaining funds due at closing
$336,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,841.38
Your down payment$324,841.38
Closing costs + prepaids$11,978.92
Total buyer cash needed$336,820.30
Remaining funds due$336,820.30
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%)$5,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$938.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$72.00
Prepaid interest, first (26 days)$375.63
Fees + prepaids$11,978.92
Your down payment is the seller’s equity. You take over the $187,659 balance, so the rest of the $512,500 price is paid at closing. A second mortgage can cover part of it. $336,820.30 is due at closing. Uses and sources reconcile at $524,478.92 each. Not a Closing Disclosure.