Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$315,901Cash toward the purchase price.
Closing costs + prepaids$12,132Not just lender fees.
Before credits & paid funds$328,033The complete starting cash picture.
Estimated remaining funds due at closing
$328,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,901.33
Your down payment$315,901.33
Closing costs + prepaids$12,131.58
Total buyer cash needed$328,032.91
Remaining funds due$328,032.91
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%)$895.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$801.75
Prepaid interest, first (1 days)$16.34
Fees + prepaids$12,131.58
Your down payment is the seller’s equity. You take over the $179,099 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $328,032.91 is due at closing. Uses and sources reconcile at $507,131.58 each. Not a Closing Disclosure.