Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$324,992Cash toward the purchase price.
Closing costs + prepaids$11,791Not just lender fees.
Before credits & paid funds$336,783The complete starting cash picture.
Estimated remaining funds due at closing
$336,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,992.00
Your down payment$324,992.00
Closing costs + prepaids$11,791.28
Total buyer cash needed$336,783.28
Remaining funds due$336,783.28
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%)$750.04
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 (16 days)$229.49
Fees + prepaids$11,791.28
Your down payment is the seller’s equity. You take over the $150,008 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $336,783.28 is due at closing. Uses and sources reconcile at $486,791.28 each. Not a Closing Disclosure.