Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$192,498Cash toward the purchase price.
Closing costs + prepaids$14,996Not just lender fees.
Before credits & paid funds$207,494The complete starting cash picture.
Estimated remaining funds due at closing
$207,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,498.24
Your down payment$192,498.24
Closing costs + prepaids$14,995.83
Total buyer cash needed$207,494.08
Remaining funds due$207,494.08
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,312.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,137.50
Initial HOA (3 months)$1,788.00
Prepaid interest, first (27 days)$739.82
Fees + prepaids$14,995.83
Your down payment is the seller’s equity. You take over the $262,502 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $207,494.08 is due at closing. Uses and sources reconcile at $469,995.83 each. Not a Closing Disclosure.