Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$182,891Cash toward the purchase price.
Closing costs + prepaids$13,096Not just lender fees.
Before credits & paid funds$195,987The complete starting cash picture.
Estimated remaining funds due at closing
$195,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,891.26
Your down payment$182,891.26
Closing costs + prepaids$13,095.65
Total buyer cash needed$195,986.91
Remaining funds due$195,986.91
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,535.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$471.50
Initial HOA (3 months)$45.00
Prepaid interest, first (23 days)$677.10
Fees + prepaids$13,095.65
Your down payment is the seller’s equity. You take over the $307,009 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $195,986.91 is due at closing. Uses and sources reconcile at $502,995.65 each. Not a Closing Disclosure.