Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$261,429Cash toward the purchase price.
Closing costs + prepaids$12,448Not just lender fees.
Before credits & paid funds$273,877The complete starting cash picture.
Estimated remaining funds due at closing
$273,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,428.89
Your down payment$261,428.89
Closing costs + prepaids$12,448.07
Total buyer cash needed$273,876.96
Remaining funds due$273,876.96
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,067.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$631.50
Prepaid interest, first (26 days)$532.22
Fees + prepaids$12,448.07
Your down payment is the seller’s equity. You take over the $213,471 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $273,876.96 is due at closing. Uses and sources reconcile at $487,348.07 each. Not a Closing Disclosure.