Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$321,707Cash toward the purchase price.
Closing costs + prepaids$13,440Not just lender fees.
Before credits & paid funds$335,147The complete starting cash picture.
Estimated remaining funds due at closing
$335,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,707.16
Your down payment$321,707.16
Closing costs + prepaids$13,439.67
Total buyer cash needed$335,146.83
Remaining funds due$335,146.83
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$966.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,248.00
Prepaid interest, first (26 days)$607.20
Fees + prepaids$13,439.67
Your down payment is the seller’s equity. You take over the $193,293 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $335,146.83 is due at closing. Uses and sources reconcile at $528,439.67 each. Not a Closing Disclosure.