Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$189,632Cash toward the purchase price.
Closing costs + prepaids$12,860Not just lender fees.
Before credits & paid funds$202,492The complete starting cash picture.
Estimated remaining funds due at closing
$202,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,631.64
Your down payment$189,631.64
Closing costs + prepaids$12,860.18
Total buyer cash needed$202,491.82
Remaining funds due$202,491.82
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%)$1,301.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,295.25
Initial HOA (3 months)$51.24
Prepaid interest, first (23 days)$493.84
Fees + prepaids$12,860.18
Your down payment is the seller’s equity. You take over the $260,368 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $202,491.82 is due at closing. Uses and sources reconcile at $462,860.18 each. Not a Closing Disclosure.