Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$318,363Cash toward the purchase price.
Closing costs + prepaids$12,475Not just lender fees.
Before credits & paid funds$330,838The complete starting cash picture.
Estimated remaining funds due at closing
$330,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,362.91
Your down payment$318,362.91
Closing costs + prepaids$12,474.73
Total buyer cash needed$330,837.63
Remaining funds due$330,837.63
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%)$5,195.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,005.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$395.50
Prepaid interest, first (25 days)$410.54
Fees + prepaids$12,474.73
Your down payment is the seller’s equity. You take over the $201,137 balance, so the rest of the $519,500 price is paid at closing. A second mortgage can cover part of it. $330,837.63 is due at closing. Uses and sources reconcile at $531,974.73 each. Not a Closing Disclosure.