Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$188,562Cash toward the purchase price.
Closing costs + prepaids$13,055Not just lender fees.
Before credits & paid funds$201,617The complete starting cash picture.
Estimated remaining funds due at closing
$201,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,561.76
Your down payment$188,561.76
Closing costs + prepaids$13,055.33
Total buyer cash needed$201,617.09
Remaining funds due$201,617.09
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,332.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$993.25
Initial HOA (3 months)$225.00
Prepaid interest, first (23 days)$486.89
Fees + prepaids$13,055.33
Your down payment is the seller’s equity. You take over the $266,438 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $201,617.09 is due at closing. Uses and sources reconcile at $468,055.33 each. Not a Closing Disclosure.