Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$319,479Cash toward the purchase price.
Closing costs + prepaids$12,712Not just lender fees.
Before credits & paid funds$332,191The complete starting cash picture.
Estimated remaining funds due at closing
$332,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,478.93
Your down payment$319,478.93
Closing costs + prepaids$12,712.32
Total buyer cash needed$332,191.25
Remaining funds due$332,191.25
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$902.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,274.75
Prepaid interest, first (5 days)$68.46
Fees + prepaids$12,712.32
Your down payment is the seller’s equity. You take over the $180,421 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $332,191.25 is due at closing. Uses and sources reconcile at $512,612.32 each. Not a Closing Disclosure.