Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$327,386Cash toward the purchase price.
Closing costs + prepaids$12,832Not just lender fees.
Before credits & paid funds$340,218The complete starting cash picture.
Estimated remaining funds due at closing
$340,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,386.19
Your down payment$327,386.19
Closing costs + prepaids$12,832.11
Total buyer cash needed$340,218.30
Remaining funds due$340,218.30
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%)$858.07
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 (31 days)$393.54
Fees + prepaids$12,832.11
Your down payment is the seller’s equity. You take over the $171,614 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $340,218.30 is due at closing. Uses and sources reconcile at $511,832.11 each. Not a Closing Disclosure.