Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$185,213Cash toward the purchase price.
Closing costs + prepaids$13,036Not just lender fees.
Before credits & paid funds$198,250The complete starting cash picture.
Estimated remaining funds due at closing
$198,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,213.30
Your down payment$185,213.30
Closing costs + prepaids$13,036.33
Total buyer cash needed$198,249.63
Remaining funds due$198,249.63
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,373.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$890.00
Initial HOA (3 months)$120.00
Prepaid interest, first (27 days)$584.39
Fees + prepaids$13,036.33
Your down payment is the seller’s equity. You take over the $274,787 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $198,249.63 is due at closing. Uses and sources reconcile at $473,036.33 each. Not a Closing Disclosure.