Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$188,695Cash toward the purchase price.
Closing costs + prepaids$12,282Not just lender fees.
Before credits & paid funds$200,976The complete starting cash picture.
Estimated remaining funds due at closing
$200,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,694.72
Your down payment$188,694.72
Closing costs + prepaids$12,281.65
Total buyer cash needed$200,976.37
Remaining funds due$200,976.37
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%)$1,431.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$608.75
Prepaid interest, first (1 days)$23.38
Fees + prepaids$12,281.65
Your down payment is the seller’s equity. You take over the $286,305 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $200,976.37 is due at closing. Uses and sources reconcile at $487,281.65 each. Not a Closing Disclosure.