Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$226,576Cash toward the purchase price.
Closing costs + prepaids$13,029Not just lender fees.
Before credits & paid funds$239,604The complete starting cash picture.
Estimated remaining funds due at closing
$239,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,575.75
Your down payment$226,575.75
Closing costs + prepaids$13,028.67
Total buyer cash needed$239,604.42
Remaining funds due$239,604.42
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%)$1,242.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$620.25
Initial HOA (3 months)$249.99
Prepaid interest, first (30 days)$698.31
Fees + prepaids$13,028.67
Your down payment is the seller’s equity. You take over the $248,424 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $239,604.42 is due at closing. Uses and sources reconcile at $488,028.67 each. Not a Closing Disclosure.