Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$193,585Cash toward the purchase price.
Closing costs + prepaids$12,555Not just lender fees.
Before credits & paid funds$206,140The complete starting cash picture.
Estimated remaining funds due at closing
$206,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,585.07
Your down payment$193,585.07
Closing costs + prepaids$12,555.01
Total buyer cash needed$206,140.08
Remaining funds due$206,140.08
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,277.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,122.50
Prepaid interest, first (23 days)$447.43
Fees + prepaids$12,555.01
Your down payment is the seller’s equity. You take over the $255,415 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $206,140.08 is due at closing. Uses and sources reconcile at $461,555.01 each. Not a Closing Disclosure.