Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$344,294Cash toward the purchase price.
Closing costs + prepaids$12,890Not just lender fees.
Before credits & paid funds$357,184The complete starting cash picture.
Estimated remaining funds due at closing
$357,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,294.04
Your down payment$344,294.04
Closing costs + prepaids$12,889.77
Total buyer cash needed$357,183.80
Remaining funds due$357,183.80
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%)$773.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$845.00
Initial HOA (3 months)$465.00
Prepaid interest, first (26 days)$348.24
Fees + prepaids$12,889.77
Your down payment is the seller’s equity. You take over the $154,706 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $357,183.80 is due at closing. Uses and sources reconcile at $511,889.77 each. Not a Closing Disclosure.