Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$204,049Cash toward the purchase price.
Closing costs + prepaids$12,406Not just lender fees.
Before credits & paid funds$216,455The complete starting cash picture.
Estimated remaining funds due at closing
$216,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,049.13
Your down payment$204,049.13
Closing costs + prepaids$12,405.97
Total buyer cash needed$216,455.10
Remaining funds due$216,455.10
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,229.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$452.25
Initial HOA (3 months)$114.99
Prepaid interest, first (25 days)$892.47
Fees + prepaids$12,405.97
Your down payment is the seller’s equity. You take over the $245,851 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $216,455.10 is due at closing. Uses and sources reconcile at $462,305.97 each. Not a Closing Disclosure.