Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$198,851Cash toward the purchase price.
Closing costs + prepaids$11,998Not just lender fees.
Before credits & paid funds$210,849The complete starting cash picture.
Estimated remaining funds due at closing
$210,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,851.24
Your down payment$198,851.24
Closing costs + prepaids$11,998.17
Total buyer cash needed$210,849.41
Remaining funds due$210,849.41
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%)$1,380.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$376.50
Prepaid interest, first (1 days)$22.92
Fees + prepaids$11,998.17
Your down payment is the seller’s equity. You take over the $276,149 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $210,849.41 is due at closing. Uses and sources reconcile at $486,998.17 each. Not a Closing Disclosure.