Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$180,476Cash toward the purchase price.
Closing costs + prepaids$12,957Not just lender fees.
Before credits & paid funds$193,433The complete starting cash picture.
Estimated remaining funds due at closing
$193,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,476.36
Your down payment$180,476.36
Closing costs + prepaids$12,956.60
Total buyer cash needed$193,432.97
Remaining funds due$193,432.97
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,597.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Prepaid interest, first (12 days)$290.99
Fees + prepaids$12,956.60
Your down payment is the seller’s equity. You take over the $319,524 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $193,432.97 is due at closing. Uses and sources reconcile at $512,956.60 each. Not a Closing Disclosure.