Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$325,980Cash toward the purchase price.
Closing costs + prepaids$12,146Not just lender fees.
Before credits & paid funds$338,127The complete starting cash picture.
Estimated remaining funds due at closing
$338,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,980.19
Your down payment$325,980.19
Closing costs + prepaids$12,146.45
Total buyer cash needed$338,126.64
Remaining funds due$338,126.64
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%)$869.60
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)$209.85
Fees + prepaids$12,146.45
Your down payment is the seller’s equity. You take over the $173,920 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $338,126.64 is due at closing. Uses and sources reconcile at $512,046.45 each. Not a Closing Disclosure.