Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$202,775Cash toward the purchase price.
Closing costs + prepaids$12,370Not just lender fees.
Before credits & paid funds$215,145The complete starting cash picture.
Estimated remaining funds due at closing
$215,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,775.06
Your down payment$202,775.06
Closing costs + prepaids$12,370.18
Total buyer cash needed$215,145.24
Remaining funds due$215,145.24
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%)$4,745.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,358.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$101.75
Prepaid interest, first (26 days)$696.81
Fees + prepaids$12,370.18
Your down payment is the seller’s equity. You take over the $271,725 balance, so the rest of the $474,500 price is paid at closing. A second mortgage can cover part of it. $215,145.24 is due at closing. Uses and sources reconcile at $486,870.18 each. Not a Closing Disclosure.