Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$201,928Cash toward the purchase price.
Closing costs + prepaids$13,070Not just lender fees.
Before credits & paid funds$214,998The complete starting cash picture.
Estimated remaining funds due at closing
$214,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,927.53
Your down payment$201,927.53
Closing costs + prepaids$13,070.08
Total buyer cash needed$214,997.61
Remaining funds due$214,997.61
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%)$1,364.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$616.50
Prepaid interest, first (31 days)$871.72
Fees + prepaids$13,070.08
Your down payment is the seller’s equity. You take over the $272,972 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $214,997.61 is due at closing. Uses and sources reconcile at $487,970.08 each. Not a Closing Disclosure.