Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$311,319Cash toward the purchase price.
Closing costs + prepaids$12,012Not just lender fees.
Before credits & paid funds$323,331The complete starting cash picture.
Estimated remaining funds due at closing
$323,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,318.71
Your down payment$311,318.71
Closing costs + prepaids$12,012.42
Total buyer cash needed$323,331.14
Remaining funds due$323,331.14
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$893.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Prepaid interest, first (10 days)$163.02
Fees + prepaids$12,012.42
Your down payment is the seller’s equity. You take over the $178,681 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $323,331.14 is due at closing. Uses and sources reconcile at $502,012.42 each. Not a Closing Disclosure.