Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$201,928Cash toward the purchase price.
Closing costs + prepaids$12,845Not just lender fees.
Before credits & paid funds$214,773The complete starting cash picture.
Estimated remaining funds due at closing
$214,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,927.53
Your down payment$201,927.53
Closing costs + prepaids$12,845.12
Total buyer cash needed$214,772.65
Remaining funds due$214,772.65
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,364.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$616.50
Prepaid interest, first (23 days)$646.76
Fees + prepaids$12,845.12
Your down payment is the seller’s equity. You take over the $272,972 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $214,772.65 is due at closing. Uses and sources reconcile at $487,745.12 each. Not a Closing Disclosure.