Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$186,724Cash toward the purchase price.
Closing costs + prepaids$12,780Not just lender fees.
Before credits & paid funds$199,504The complete starting cash picture.
Estimated remaining funds due at closing
$199,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,723.88
Your down payment$186,723.88
Closing costs + prepaids$12,779.71
Total buyer cash needed$199,503.58
Remaining funds due$199,503.58
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Initial HOA (3 months)$28.74
Prepaid interest, first (12 days)$280.08
Fees + prepaids$12,779.71
Your down payment is the seller’s equity. You take over the $303,176 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $199,503.58 is due at closing. Uses and sources reconcile at $502,679.71 each. Not a Closing Disclosure.