Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$235,727Cash toward the purchase price.
Closing costs + prepaids$12,857Not just lender fees.
Before credits & paid funds$248,584The complete starting cash picture.
Estimated remaining funds due at closing
$248,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,726.97
Your down payment$235,726.97
Closing costs + prepaids$12,856.57
Total buyer cash needed$248,583.54
Remaining funds due$248,583.54
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,221.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$664.50
Prepaid interest, first (28 days)$702.70
Fees + prepaids$12,856.57
Your down payment is the seller’s equity. You take over the $244,273 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $248,583.54 is due at closing. Uses and sources reconcile at $492,856.57 each. Not a Closing Disclosure.