Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$311,665Cash toward the purchase price.
Closing costs + prepaids$12,037Not just lender fees.
Before credits & paid funds$323,701The complete starting cash picture.
Estimated remaining funds due at closing
$323,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,664.61
Your down payment$311,664.61
Closing costs + prepaids$12,036.56
Total buyer cash needed$323,701.18
Remaining funds due$323,701.18
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%)$936.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$172.75
Initial HOA (3 months)$103.50
Prepaid interest, first (26 days)$365.64
Fees + prepaids$12,036.56
Your down payment is the seller’s equity. You take over the $187,335 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $323,701.18 is due at closing. Uses and sources reconcile at $511,036.56 each. Not a Closing Disclosure.