Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$306,556Cash toward the purchase price.
Closing costs + prepaids$11,792Not just lender fees.
Before credits & paid funds$318,348The complete starting cash picture.
Estimated remaining funds due at closing
$318,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,556.43
Your down payment$306,556.43
Closing costs + prepaids$11,791.79
Total buyer cash needed$318,348.22
Remaining funds due$318,348.22
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%)$842.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$570.00
Prepaid interest, first (9 days)$161.57
Fees + prepaids$11,791.79
Your down payment is the seller’s equity. You take over the $168,444 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $318,348.22 is due at closing. Uses and sources reconcile at $486,791.79 each. Not a Closing Disclosure.