Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$317,090Cash toward the purchase price.
Closing costs + prepaids$12,109Not just lender fees.
Before credits & paid funds$329,199The complete starting cash picture.
Estimated remaining funds due at closing
$329,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,090.46
Your down payment$317,090.46
Closing costs + prepaids$12,108.62
Total buyer cash needed$329,199.08
Remaining funds due$329,199.08
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%)$789.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$301.00
Initial HOA (3 months)$273.00
Prepaid interest, first (31 days)$527.07
Fees + prepaids$12,108.62
Your down payment is the seller’s equity. You take over the $157,910 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $329,199.08 is due at closing. Uses and sources reconcile at $487,108.62 each. Not a Closing Disclosure.