Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$195,049Cash toward the purchase price.
Closing costs + prepaids$13,151Not just lender fees.
Before credits & paid funds$208,199The complete starting cash picture.
Estimated remaining funds due at closing
$208,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,048.51
Your down payment$195,048.51
Closing costs + prepaids$13,150.68
Total buyer cash needed$208,199.18
Remaining funds due$208,199.18
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,274.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,048.25
Initial HOA (3 months)$584.01
Prepaid interest, first (25 days)$527.16
Fees + prepaids$13,150.68
Your down payment is the seller’s equity. You take over the $254,851 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $208,199.18 is due at closing. Uses and sources reconcile at $463,050.68 each. Not a Closing Disclosure.