Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$316,058Cash toward the purchase price.
Closing costs + prepaids$11,693Not just lender fees.
Before credits & paid funds$327,751The complete starting cash picture.
Estimated remaining funds due at closing
$327,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,057.81
Your down payment$316,057.81
Closing costs + prepaids$11,693.22
Total buyer cash needed$327,751.02
Remaining funds due$327,751.02
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%)$844.71
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 (1 days)$18.01
Fees + prepaids$11,693.22
Your down payment is the seller’s equity. You take over the $168,942 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $327,751.02 is due at closing. Uses and sources reconcile at $496,693.22 each. Not a Closing Disclosure.