Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$185,028Cash toward the purchase price.
Closing costs + prepaids$12,366Not just lender fees.
Before credits & paid funds$197,394The complete starting cash picture.
Estimated remaining funds due at closing
$197,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,027.62
Your down payment$185,027.62
Closing costs + prepaids$12,366.04
Total buyer cash needed$197,393.66
Remaining funds due$197,393.66
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%)$4,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,399.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.00
Prepaid interest, first (12 days)$291.68
Fees + prepaids$12,366.04
Your down payment is the seller’s equity. You take over the $279,872 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $197,393.66 is due at closing. Uses and sources reconcile at $477,266.04 each. Not a Closing Disclosure.