Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$330,165Cash toward the purchase price.
Closing costs + prepaids$12,309Not just lender fees.
Before credits & paid funds$342,474The complete starting cash picture.
Estimated remaining funds due at closing
$342,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,164.74
Your down payment$330,164.74
Closing costs + prepaids$12,309.15
Total buyer cash needed$342,473.89
Remaining funds due$342,473.89
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$849.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.25
Prepaid interest, first (26 days)$361.73
Fees + prepaids$12,309.15
Your down payment is the seller’s equity. You take over the $169,835 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $342,473.89 is due at closing. Uses and sources reconcile at $512,309.15 each. Not a Closing Disclosure.