Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$189,204Cash toward the purchase price.
Closing costs + prepaids$13,484Not just lender fees.
Before credits & paid funds$202,688The complete starting cash picture.
Estimated remaining funds due at closing
$202,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,203.95
Your down payment$189,203.95
Closing costs + prepaids$13,483.89
Total buyer cash needed$202,687.83
Remaining funds due$202,687.83
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%)$4,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,428.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,187.50
Prepaid interest, first (29 days)$649.42
Fees + prepaids$13,483.89
Your down payment is the seller’s equity. You take over the $285,795 balance, so the rest of the $474,999 price is paid at closing. A second mortgage can cover part of it. $202,687.83 is due at closing. Uses and sources reconcile at $488,482.89 each. Not a Closing Disclosure.