Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$316,556Cash toward the purchase price.
Closing costs + prepaids$12,050Not just lender fees.
Before credits & paid funds$328,606The complete starting cash picture.
Estimated remaining funds due at closing
$328,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,556.43
Your down payment$316,556.43
Closing costs + prepaids$12,049.71
Total buyer cash needed$328,606.14
Remaining funds due$328,606.14
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%)$4,850.00
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)$512.50
Prepaid interest, first (21 days)$376.99
Fees + prepaids$12,049.71
Your down payment is the seller’s equity. You take over the $168,444 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $328,606.14 is due at closing. Uses and sources reconcile at $497,049.71 each. Not a Closing Disclosure.