Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$301,018Cash toward the purchase price.
Closing costs + prepaids$12,691Not just lender fees.
Before credits & paid funds$313,709The complete starting cash picture.
Estimated remaining funds due at closing
$313,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,017.89
Your down payment$301,017.89
Closing costs + prepaids$12,690.71
Total buyer cash needed$313,708.59
Remaining funds due$313,708.59
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$889.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$574.75
Initial HOA (3 months)$765.00
Prepaid interest, first (12 days)$203.05
Fees + prepaids$12,690.71
Your down payment is the seller’s equity. You take over the $177,982 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $313,708.59 is due at closing. Uses and sources reconcile at $491,690.71 each. Not a Closing Disclosure.