Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$205,113Cash toward the purchase price.
Closing costs + prepaids$12,821Not just lender fees.
Before credits & paid funds$217,934The complete starting cash picture.
Estimated remaining funds due at closing
$217,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,113.31
Your down payment$205,113.31
Closing costs + prepaids$12,820.75
Total buyer cash needed$217,934.06
Remaining funds due$217,934.06
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%)$1,349.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$393.75
Prepaid interest, first (31 days)$859.57
Fees + prepaids$12,820.75
Your down payment is the seller’s equity. You take over the $269,887 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $217,934.06 is due at closing. Uses and sources reconcile at $487,820.75 each. Not a Closing Disclosure.