Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$224,365Cash toward the purchase price.
Closing costs + prepaids$12,565Not just lender fees.
Before credits & paid funds$236,930The complete starting cash picture.
Estimated remaining funds due at closing
$236,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,365.19
Your down payment$224,365.19
Closing costs + prepaids$12,564.57
Total buyer cash needed$236,929.76
Remaining funds due$236,929.76
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,228.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$702.50
Prepaid interest, first (23 days)$465.90
Fees + prepaids$12,564.57
Your down payment is the seller’s equity. You take over the $245,635 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $236,929.76 is due at closing. Uses and sources reconcile at $482,564.57 each. Not a Closing Disclosure.