Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$199,299Cash toward the purchase price.
Closing costs + prepaids$12,455Not just lender fees.
Before credits & paid funds$211,754The complete starting cash picture.
Estimated remaining funds due at closing
$211,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,298.80
Your down payment$199,298.80
Closing costs + prepaids$12,454.96
Total buyer cash needed$211,753.76
Remaining funds due$211,753.76
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,303.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$569.75
Prepaid interest, first (22 days)$515.21
Fees + prepaids$12,454.96
Your down payment is the seller’s equity. You take over the $260,601 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $211,753.76 is due at closing. Uses and sources reconcile at $472,354.96 each. Not a Closing Disclosure.