Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$327,561Cash toward the purchase price.
Closing costs + prepaids$11,840Not just lender fees.
Before credits & paid funds$339,401The complete starting cash picture.
Estimated remaining funds due at closing
$339,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,561.16
Your down payment$327,561.16
Closing costs + prepaids$11,840.31
Total buyer cash needed$339,401.47
Remaining funds due$339,401.47
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$737.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$508.00
Prepaid interest, first (24 days)$377.12
Fees + prepaids$11,840.31
Your down payment is the seller’s equity. You take over the $147,439 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $339,401.47 is due at closing. Uses and sources reconcile at $486,840.31 each. Not a Closing Disclosure.