Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$315,742Cash toward the purchase price.
Closing costs + prepaids$12,749Not just lender fees.
Before credits & paid funds$328,490The complete starting cash picture.
Estimated remaining funds due at closing
$328,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,741.57
Your down payment$315,741.57
Closing costs + prepaids$12,748.57
Total buyer cash needed$328,490.13
Remaining funds due$328,490.13
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%)$4,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$821.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,200.00
Prepaid interest, first (27 days)$459.29
Fees + prepaids$12,748.57
Your down payment is the seller’s equity. You take over the $164,257 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $328,490.13 is due at closing. Uses and sources reconcile at $492,747.57 each. Not a Closing Disclosure.