Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$334,531Cash toward the purchase price.
Closing costs + prepaids$12,918Not just lender fees.
Before credits & paid funds$347,449The complete starting cash picture.
Estimated remaining funds due at closing
$347,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,531.03
Your down payment$334,531.03
Closing costs + prepaids$12,917.51
Total buyer cash needed$347,448.54
Remaining funds due$347,448.54
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$826.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$771.50
Initial HOA (3 months)$413.01
Prepaid interest, first (27 days)$439.16
Fees + prepaids$12,917.51
Your down payment is the seller’s equity. You take over the $165,369 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $347,448.54 is due at closing. Uses and sources reconcile at $512,817.51 each. Not a Closing Disclosure.