Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$323,992Cash toward the purchase price.
Closing costs + prepaids$12,320Not just lender fees.
Before credits & paid funds$336,312The complete starting cash picture.
Estimated remaining funds due at closing
$336,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,991.87
Your down payment$323,991.87
Closing costs + prepaids$12,319.75
Total buyer cash needed$336,311.62
Remaining funds due$336,311.62
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$779.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$836.75
Prepaid interest, first (26 days)$436.46
Fees + prepaids$12,319.75
Your down payment is the seller’s equity. You take over the $155,908 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $336,311.62 is due at closing. Uses and sources reconcile at $492,219.75 each. Not a Closing Disclosure.