Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$302,386Cash toward the purchase price.
Closing costs + prepaids$12,189Not just lender fees.
Before credits & paid funds$314,576The complete starting cash picture.
Estimated remaining funds due at closing
$314,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,386.19
Your down payment$302,386.19
Closing costs + prepaids$12,189.32
Total buyer cash needed$314,575.51
Remaining funds due$314,575.51
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%)$4,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$858.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$568.75
Initial HOA (3 months)$440.25
Prepaid interest, first (9 days)$114.25
Fees + prepaids$12,189.32
Your down payment is the seller’s equity. You take over the $171,614 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $314,575.51 is due at closing. Uses and sources reconcile at $486,189.32 each. Not a Closing Disclosure.