Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$235,019Cash toward the purchase price.
Closing costs + prepaids$12,096Not just lender fees.
Before credits & paid funds$247,116The complete starting cash picture.
Estimated remaining funds due at closing
$247,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,019.49
Your down payment$235,019.49
Closing costs + prepaids$12,096.42
Total buyer cash needed$247,115.91
Remaining funds due$247,115.91
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%)$1,199.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$570.00
Prepaid interest, first (6 days)$110.02
Fees + prepaids$12,096.42
Your down payment is the seller’s equity. You take over the $239,881 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $247,115.91 is due at closing. Uses and sources reconcile at $486,996.42 each. Not a Closing Disclosure.