Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$236,371Cash toward the purchase price.
Closing costs + prepaids$12,680Not just lender fees.
Before credits & paid funds$249,050The complete starting cash picture.
Estimated remaining funds due at closing
$249,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,370.66
Your down payment$236,370.66
Closing costs + prepaids$12,679.71
Total buyer cash needed$249,050.37
Remaining funds due$249,050.37
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,193.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$587.00
Prepaid interest, first (25 days)$681.56
Fees + prepaids$12,679.71
Your down payment is the seller’s equity. You take over the $238,629 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $249,050.37 is due at closing. Uses and sources reconcile at $487,679.71 each. Not a Closing Disclosure.