Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$346,405Cash toward the purchase price.
Closing costs + prepaids$11,639Not just lender fees.
Before credits & paid funds$358,044The complete starting cash picture.
Estimated remaining funds due at closing
$358,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,404.70
Your down payment$346,404.70
Closing costs + prepaids$11,638.92
Total buyer cash needed$358,043.62
Remaining funds due$358,043.62
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$762.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$6.25
Initial HOA (3 months)$27.99
Prepaid interest, first (26 days)$383.70
Fees + prepaids$11,638.92
Your down payment is the seller’s equity. You take over the $152,595 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $358,043.62 is due at closing. Uses and sources reconcile at $510,638.92 each. Not a Closing Disclosure.