Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$194,684Cash toward the purchase price.
Closing costs + prepaids$14,291Not just lender fees.
Before credits & paid funds$208,975The complete starting cash picture.
Estimated remaining funds due at closing
$208,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,683.51
Your down payment$194,683.51
Closing costs + prepaids$14,291.47
Total buyer cash needed$208,974.98
Remaining funds due$208,974.98
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%)$4,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,346.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,353.25
Initial HOA (3 months)$540.00
Prepaid interest, first (29 days)$943.64
Fees + prepaids$14,291.47
Your down payment is the seller’s equity. You take over the $269,316 balance, so the rest of the $464,000 price is paid at closing. A second mortgage can cover part of it. $208,974.98 is due at closing. Uses and sources reconcile at $478,291.47 each. Not a Closing Disclosure.