Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$281,799Cash toward the purchase price.
Closing costs + prepaids$12,145Not just lender fees.
Before credits & paid funds$293,945The complete starting cash picture.
Estimated remaining funds due at closing
$293,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,799.23
Your down payment$281,799.23
Closing costs + prepaids$12,145.33
Total buyer cash needed$293,944.56
Remaining funds due$293,944.56
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%)$966.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$246.75
Prepaid interest, first (30 days)$714.58
Fees + prepaids$12,145.33
Your down payment is the seller’s equity. You take over the $193,201 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $293,944.56 is due at closing. Uses and sources reconcile at $487,145.33 each. Not a Closing Disclosure.