Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$201,928Cash toward the purchase price.
Closing costs + prepaids$12,433Not just lender fees.
Before credits & paid funds$214,361The complete starting cash picture.
Estimated remaining funds due at closing
$214,361No 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$12,433.06
Total buyer cash needed$214,360.59
Remaining funds due$214,360.59
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)$570.00
Prepaid interest, first (10 days)$281.20
Fees + prepaids$12,433.06
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. $214,360.59 is due at closing. Uses and sources reconcile at $487,333.06 each. Not a Closing Disclosure.