Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$189,304Cash toward the purchase price.
Closing costs + prepaids$14,898Not just lender fees.
Before credits & paid funds$204,202The complete starting cash picture.
Estimated remaining funds due at closing
$204,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,303.63
Your down payment$189,303.63
Closing costs + prepaids$14,898.26
Total buyer cash needed$204,201.90
Remaining funds due$204,201.90
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%)$4,910.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,508.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,396.00
Initial HOA (3 months)$999.00
Prepaid interest, first (26 days)$616.78
Fees + prepaids$14,898.26
Your down payment is the seller’s equity. You take over the $301,696 balance, so the rest of the $491,000 price is paid at closing. A second mortgage can cover part of it. $204,201.90 is due at closing. Uses and sources reconcile at $505,898.26 each. Not a Closing Disclosure.