Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$315,391Cash toward the purchase price.
Closing costs + prepaids$12,202Not just lender fees.
Before credits & paid funds$327,592The complete starting cash picture.
Estimated remaining funds due at closing
$327,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,390.74
Your down payment$315,390.74
Closing costs + prepaids$12,201.65
Total buyer cash needed$327,592.39
Remaining funds due$327,592.39
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%)$923.05
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)$210.61
Fees + prepaids$12,201.65
Your down payment is the seller’s equity. You take over the $184,609 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $327,592.39 is due at closing. Uses and sources reconcile at $512,201.65 each. Not a Closing Disclosure.