Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$184,302Cash toward the purchase price.
Closing costs + prepaids$12,428Not just lender fees.
Before credits & paid funds$196,730The complete starting cash picture.
Estimated remaining funds due at closing
$196,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,302.48
Your down payment$184,302.48
Closing costs + prepaids$12,427.94
Total buyer cash needed$196,730.42
Remaining funds due$196,730.42
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%)$1,328.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$839.25
Initial HOA (3 months)$105.00
Prepaid interest, first (22 days)$437.20
Fees + prepaids$12,427.94
Your down payment is the seller’s equity. You take over the $265,698 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $196,730.42 is due at closing. Uses and sources reconcile at $462,427.94 each. Not a Closing Disclosure.