Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$314,907Cash toward the purchase price.
Closing costs + prepaids$12,539Not just lender fees.
Before credits & paid funds$327,446The complete starting cash picture.
Estimated remaining funds due at closing
$327,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,906.85
Your down payment$314,906.85
Closing costs + prepaids$12,539.47
Total buyer cash needed$327,446.32
Remaining funds due$327,446.32
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$800.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,094.75
Initial HOA (3 months)$6.24
Prepaid interest, first (24 days)$420.01
Fees + prepaids$12,539.47
Your down payment is the seller’s equity. You take over the $160,093 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $327,446.32 is due at closing. Uses and sources reconcile at $487,539.47 each. Not a Closing Disclosure.