Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$188,820Cash toward the purchase price.
Closing costs + prepaids$12,650Not just lender fees.
Before credits & paid funds$201,469The complete starting cash picture.
Estimated remaining funds due at closing
$201,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,819.58
Your down payment$188,819.58
Closing costs + prepaids$12,649.71
Total buyer cash needed$201,469.30
Remaining funds due$201,469.30
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,250.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,088.25
Prepaid interest, first (25 days)$702.56
Fees + prepaids$12,649.71
Your down payment is the seller’s equity. You take over the $250,180 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $201,469.30 is due at closing. Uses and sources reconcile at $451,649.71 each. Not a Closing Disclosure.