Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$203,070Cash toward the purchase price.
Closing costs + prepaids$12,532Not just lender fees.
Before credits & paid funds$215,601The complete starting cash picture.
Estimated remaining funds due at closing
$215,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,069.64
Your down payment$203,069.64
Closing costs + prepaids$12,531.81
Total buyer cash needed$215,601.45
Remaining funds due$215,601.45
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,234.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,056.75
Prepaid interest, first (26 days)$522.41
Fees + prepaids$12,531.81
Your down payment is the seller’s equity. You take over the $246,930 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $215,601.45 is due at closing. Uses and sources reconcile at $462,531.81 each. Not a Closing Disclosure.