Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$327,561Cash toward the purchase price.
Closing costs + prepaids$11,769Not just lender fees.
Before credits & paid funds$339,330The complete starting cash picture.
Estimated remaining funds due at closing
$339,330No 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$11,768.93
Total buyer cash needed$339,330.09
Remaining funds due$339,330.09
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)$593.75
Prepaid interest, first (14 days)$219.99
Fees + prepaids$11,768.93
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. $339,330.09 is due at closing. Uses and sources reconcile at $486,768.93 each. Not a Closing Disclosure.