Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$236,349Cash toward the purchase price.
Closing costs + prepaids$13,471Not just lender fees.
Before credits & paid funds$249,820The complete starting cash picture.
Estimated remaining funds due at closing
$249,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,349.00
Your down payment$236,349.00
Closing costs + prepaids$13,471.47
Total buyer cash needed$249,820.48
Remaining funds due$249,820.48
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%)$1,192.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,187.25
Prepaid interest, first (30 days)$874.47
Fees + prepaids$13,471.47
Your down payment is the seller’s equity. You take over the $238,551 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $249,820.48 is due at closing. Uses and sources reconcile at $488,371.47 each. Not a Closing Disclosure.