Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$237,163Cash toward the purchase price.
Closing costs + prepaids$12,605Not just lender fees.
Before credits & paid funds$249,768The complete starting cash picture.
Estimated remaining funds due at closing
$249,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,162.67
Your down payment$237,162.67
Closing costs + prepaids$12,605.19
Total buyer cash needed$249,767.86
Remaining funds due$249,767.86
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,159.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$921.00
Prepaid interest, first (18 days)$367.00
Fees + prepaids$12,605.19
Your down payment is the seller’s equity. You take over the $231,837 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $249,767.86 is due at closing. Uses and sources reconcile at $481,605.19 each. Not a Closing Disclosure.