Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$186,724Cash toward the purchase price.
Closing costs + prepaids$13,530Not just lender fees.
Before credits & paid funds$200,254The complete starting cash picture.
Estimated remaining funds due at closing
$200,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,723.88
Your down payment$186,723.88
Closing costs + prepaids$13,529.97
Total buyer cash needed$200,253.85
Remaining funds due$200,253.85
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,011.50
Initial HOA (3 months)$28.74
Prepaid interest, first (26 days)$606.85
Fees + prepaids$13,529.97
Your down payment is the seller’s equity. You take over the $303,176 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $200,253.85 is due at closing. Uses and sources reconcile at $503,429.97 each. Not a Closing Disclosure.