Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$234,168Cash toward the purchase price.
Closing costs + prepaids$12,915Not just lender fees.
Before credits & paid funds$247,084The complete starting cash picture.
Estimated remaining funds due at closing
$247,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,168.48
Your down payment$234,168.48
Closing costs + prepaids$12,915.18
Total buyer cash needed$247,083.66
Remaining funds due$247,083.66
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%)$1,204.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$149.25
Initial HOA (3 months)$648.99
Prepaid interest, first (26 days)$694.78
Fees + prepaids$12,915.18
Your down payment is the seller’s equity. You take over the $240,832 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $247,083.66 is due at closing. Uses and sources reconcile at $487,915.18 each. Not a Closing Disclosure.