Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$326,967Cash toward the purchase price.
Closing costs + prepaids$12,453Not just lender fees.
Before credits & paid funds$339,420The complete starting cash picture.
Estimated remaining funds due at closing
$339,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,966.94
Your down payment$326,966.94
Closing costs + prepaids$12,453.39
Total buyer cash needed$339,420.33
Remaining funds due$339,420.33
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%)$860.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$682.25
Initial HOA (3 months)$440.25
Prepaid interest, first (1 days)$12.73
Fees + prepaids$12,453.39
Your down payment is the seller’s equity. You take over the $172,033 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $339,420.33 is due at closing. Uses and sources reconcile at $511,453.39 each. Not a Closing Disclosure.