Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$192,255Cash toward the purchase price.
Closing costs + prepaids$14,420Not just lender fees.
Before credits & paid funds$206,675The complete starting cash picture.
Estimated remaining funds due at closing
$206,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,254.87
Your down payment$192,254.87
Closing costs + prepaids$14,420.03
Total buyer cash needed$206,674.90
Remaining funds due$206,674.90
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%)$1,413.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,894.00
Initial HOA (3 months)$300.00
Prepaid interest, first (28 days)$594.31
Fees + prepaids$14,420.03
Your down payment is the seller’s equity. You take over the $282,745 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $206,674.90 is due at closing. Uses and sources reconcile at $489,420.03 each. Not a Closing Disclosure.