Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$195,705Cash toward the purchase price.
Closing costs + prepaids$12,697Not just lender fees.
Before credits & paid funds$208,401The complete starting cash picture.
Estimated remaining funds due at closing
$208,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,704.66
Your down payment$195,704.66
Closing costs + prepaids$12,696.78
Total buyer cash needed$208,401.44
Remaining funds due$208,401.44
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,271.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$692.50
Initial HOA (3 months)$492.00
Prepaid interest, first (28 days)$522.80
Fees + prepaids$12,696.78
Your down payment is the seller’s equity. You take over the $254,295 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $208,401.44 is due at closing. Uses and sources reconcile at $462,696.78 each. Not a Closing Disclosure.