Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$190,274Cash toward the purchase price.
Closing costs + prepaids$12,504Not just lender fees.
Before credits & paid funds$202,777The complete starting cash picture.
Estimated remaining funds due at closing
$202,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,273.82
Your down payment$190,273.82
Closing costs + prepaids$12,503.60
Total buyer cash needed$202,777.42
Remaining funds due$202,777.42
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%)$1,348.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$445.00
Initial HOA (3 months)$92.25
Prepaid interest, first (26 days)$551.22
Fees + prepaids$12,503.60
Your down payment is the seller’s equity. You take over the $269,626 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $202,777.42 is due at closing. Uses and sources reconcile at $472,403.60 each. Not a Closing Disclosure.