Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$192,199Cash toward the purchase price.
Closing costs + prepaids$14,806Not just lender fees.
Before credits & paid funds$207,005The complete starting cash picture.
Estimated remaining funds due at closing
$207,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,198.81
Your down payment$192,198.81
Closing costs + prepaids$14,806.25
Total buyer cash needed$207,005.06
Remaining funds due$207,005.06
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,413.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,187.25
Initial HOA (3 months)$1,455.00
Prepaid interest, first (24 days)$533.49
Fees + prepaids$14,806.25
Your down payment is the seller’s equity. You take over the $282,701 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $207,005.06 is due at closing. Uses and sources reconcile at $489,706.25 each. Not a Closing Disclosure.