Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$337,217Cash toward the purchase price.
Closing costs + prepaids$12,884Not just lender fees.
Before credits & paid funds$350,101The complete starting cash picture.
Estimated remaining funds due at closing
$350,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,216.60
Your down payment$337,216.60
Closing costs + prepaids$12,884.03
Total buyer cash needed$350,100.63
Remaining funds due$350,100.63
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$738.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,212.50
Prepaid interest, first (23 days)$614.62
Fees + prepaids$12,884.03
Your down payment is the seller’s equity. You take over the $147,783 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $350,100.63 is due at closing. Uses and sources reconcile at $497,884.03 each. Not a Closing Disclosure.