Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$225,783Cash toward the purchase price.
Closing costs + prepaids$12,337Not just lender fees.
Before credits & paid funds$238,120The complete starting cash picture.
Estimated remaining funds due at closing
$238,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,782.99
Your down payment$225,782.99
Closing costs + prepaids$12,337.07
Total buyer cash needed$238,120.07
Remaining funds due$238,120.07
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%)$1,245.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$419.25
Prepaid interest, first (23 days)$455.24
Fees + prepaids$12,337.07
Your down payment is the seller’s equity. You take over the $249,117 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $238,120.07 is due at closing. Uses and sources reconcile at $487,237.07 each. Not a Closing Disclosure.