Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$195,140Cash toward the purchase price.
Closing costs + prepaids$12,328Not just lender fees.
Before credits & paid funds$207,468The complete starting cash picture.
Estimated remaining funds due at closing
$207,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,139.77
Your down payment$195,139.77
Closing costs + prepaids$12,328.30
Total buyer cash needed$207,468.07
Remaining funds due$207,468.07
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%)$1,274.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$546.75
Initial HOA (3 months)$60.00
Prepaid interest, first (28 days)$729.25
Fees + prepaids$12,328.30
Your down payment is the seller’s equity. You take over the $254,860 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $207,468.07 is due at closing. Uses and sources reconcile at $462,328.30 each. Not a Closing Disclosure.