Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$331,330Cash toward the purchase price.
Closing costs + prepaids$12,345Not just lender fees.
Before credits & paid funds$343,675The complete starting cash picture.
Estimated remaining funds due at closing
$343,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,329.92
Your down payment$331,329.92
Closing costs + prepaids$12,344.83
Total buyer cash needed$343,674.75
Remaining funds due$343,674.75
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%)$843.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$570.00
Initial HOA (3 months)$201.00
Prepaid interest, first (20 days)$262.48
Fees + prepaids$12,344.83
Your down payment is the seller’s equity. You take over the $168,670 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $343,674.75 is due at closing. Uses and sources reconcile at $512,344.83 each. Not a Closing Disclosure.