Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$236,699Cash toward the purchase price.
Closing costs + prepaids$12,072Not just lender fees.
Before credits & paid funds$248,770The complete starting cash picture.
Estimated remaining funds due at closing
$248,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,698.63
Your down payment$236,698.63
Closing costs + prepaids$12,071.73
Total buyer cash needed$248,770.35
Remaining funds due$248,770.35
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,166.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$564.00
Prepaid interest, first (10 days)$173.22
Fees + prepaids$12,071.73
Your down payment is the seller’s equity. You take over the $233,301 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $248,770.35 is due at closing. Uses and sources reconcile at $482,071.73 each. Not a Closing Disclosure.