Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$190,782Cash toward the purchase price.
Closing costs + prepaids$12,676Not just lender fees.
Before credits & paid funds$203,458The complete starting cash picture.
Estimated remaining funds due at closing
$203,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,781.93
Your down payment$190,781.93
Closing costs + prepaids$12,676.05
Total buyer cash needed$203,457.97
Remaining funds due$203,457.97
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%)$4,645.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,368.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$400.75
Prepaid interest, first (28 days)$793.71
Fees + prepaids$12,676.05
Your down payment is the seller’s equity. You take over the $273,718 balance, so the rest of the $464,500 price is paid at closing. A second mortgage can cover part of it. $203,457.97 is due at closing. Uses and sources reconcile at $477,176.05 each. Not a Closing Disclosure.