Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$338,868Cash toward the purchase price.
Closing costs + prepaids$12,206Not just lender fees.
Before credits & paid funds$351,075The complete starting cash picture.
Estimated remaining funds due at closing
$351,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,868.43
Your down payment$338,868.43
Closing costs + prepaids$12,206.12
Total buyer cash needed$351,074.55
Remaining funds due$351,074.55
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$880.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.00
Prepaid interest, first (6 days)$89.47
Fees + prepaids$12,206.12
Your down payment is the seller’s equity. You take over the $176,132 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $351,074.55 is due at closing. Uses and sources reconcile at $527,206.12 each. Not a Closing Disclosure.