Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$318,431Cash toward the purchase price.
Closing costs + prepaids$13,321Not just lender fees.
Before credits & paid funds$331,751The complete starting cash picture.
Estimated remaining funds due at closing
$331,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,430.84
Your down payment$318,430.84
Closing costs + prepaids$13,320.58
Total buyer cash needed$331,751.41
Remaining funds due$331,751.41
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$882.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,350.50
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$637.97
Fees + prepaids$13,320.58
Your down payment is the seller’s equity. You take over the $176,569 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $331,751.41 is due at closing. Uses and sources reconcile at $508,320.58 each. Not a Closing Disclosure.