Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$194,294Cash toward the purchase price.
Closing costs + prepaids$13,626Not just lender fees.
Before credits & paid funds$207,920The complete starting cash picture.
Estimated remaining funds due at closing
$207,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,294.35
Your down payment$194,294.35
Closing costs + prepaids$13,625.61
Total buyer cash needed$207,919.96
Remaining funds due$207,919.96
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%)$1,478.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,095.75
Prepaid interest, first (28 days)$684.83
Fees + prepaids$13,625.61
Your down payment is the seller’s equity. You take over the $295,606 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $207,919.96 is due at closing. Uses and sources reconcile at $503,525.61 each. Not a Closing Disclosure.