Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$189,329Cash toward the purchase price.
Closing costs + prepaids$12,450Not just lender fees.
Before credits & paid funds$201,779The complete starting cash picture.
Estimated remaining funds due at closing
$201,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,329.41
Your down payment$189,329.41
Closing costs + prepaids$12,449.59
Total buyer cash needed$201,779.00
Remaining funds due$201,779.00
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%)$1,428.35
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)$233.23
Fees + prepaids$12,449.59
Your down payment is the seller’s equity. You take over the $285,671 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $201,779.00 is due at closing. Uses and sources reconcile at $487,449.59 each. Not a Closing Disclosure.