Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$202,988Cash toward the purchase price.
Closing costs + prepaids$12,510Not just lender fees.
Before credits & paid funds$215,498The complete starting cash picture.
Estimated remaining funds due at closing
$215,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,988.47
Your down payment$202,988.47
Closing costs + prepaids$12,509.91
Total buyer cash needed$215,498.38
Remaining funds due$215,498.38
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%)$1,359.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$548.50
Prepaid interest, first (18 days)$384.85
Fees + prepaids$12,509.91
Your down payment is the seller’s equity. You take over the $271,912 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $215,498.38 is due at closing. Uses and sources reconcile at $487,409.91 each. Not a Closing Disclosure.