Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$196,873Cash toward the purchase price.
Closing costs + prepaids$11,800Not just lender fees.
Before credits & paid funds$208,673The complete starting cash picture.
Estimated remaining funds due at closing
$208,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,873.10
Your down payment$196,873.10
Closing costs + prepaids$11,799.98
Total buyer cash needed$208,673.08
Remaining funds due$208,673.08
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%)$1,265.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Initial HOA (3 months)$35.01
Prepaid interest, first (12 days)$241.34
Fees + prepaids$11,799.98
Your down payment is the seller’s equity. You take over the $253,127 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $208,673.08 is due at closing. Uses and sources reconcile at $461,799.98 each. Not a Closing Disclosure.