Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$233,426Cash toward the purchase price.
Closing costs + prepaids$12,934Not just lender fees.
Before credits & paid funds$246,360The complete starting cash picture.
Estimated remaining funds due at closing
$246,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,426.11
Your down payment$233,426.11
Closing costs + prepaids$12,933.61
Total buyer cash needed$246,359.72
Remaining funds due$246,359.72
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,282.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$780.00
Prepaid interest, first (24 days)$502.74
Fees + prepaids$12,933.61
Your down payment is the seller’s equity. You take over the $256,574 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $246,359.72 is due at closing. Uses and sources reconcile at $502,933.61 each. Not a Closing Disclosure.