Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$266,511Cash toward the purchase price.
Closing costs + prepaids$12,425Not just lender fees.
Before credits & paid funds$278,936The complete starting cash picture.
Estimated remaining funds due at closing
$278,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,511.35
Your down payment$266,511.35
Closing costs + prepaids$12,424.73
Total buyer cash needed$278,936.08
Remaining funds due$278,936.08
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%)$1,042.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.75
Prepaid interest, first (26 days)$445.54
Fees + prepaids$12,424.73
Your down payment is the seller’s equity. You take over the $208,489 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $278,936.08 is due at closing. Uses and sources reconcile at $487,424.73 each. Not a Closing Disclosure.