Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$313,807Cash toward the purchase price.
Closing costs + prepaids$13,025Not just lender fees.
Before credits & paid funds$326,832The complete starting cash picture.
Estimated remaining funds due at closing
$326,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,807.40
Your down payment$313,807.40
Closing costs + prepaids$13,024.58
Total buyer cash needed$326,831.98
Remaining funds due$326,831.98
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%)$4,849.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$855.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,212.50
Initial HOA (3 months)$357.00
Prepaid interest, first (27 days)$281.13
Fees + prepaids$13,024.58
Your down payment is the seller’s equity. You take over the $171,192 balance, so the rest of the $484,999 price is paid at closing. A second mortgage can cover part of it. $326,831.98 is due at closing. Uses and sources reconcile at $498,023.58 each. Not a Closing Disclosure.