Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$196,464Cash toward the purchase price.
Closing costs + prepaids$12,091Not just lender fees.
Before credits & paid funds$208,554The complete starting cash picture.
Estimated remaining funds due at closing
$208,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,463.51
Your down payment$196,463.51
Closing costs + prepaids$12,090.83
Total buyer cash needed$208,554.35
Remaining funds due$208,554.35
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%)$4,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,292.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$637.00
Initial HOA (3 months)$105.00
Prepaid interest, first (2 days)$39.65
Fees + prepaids$12,090.83
Your down payment is the seller’s equity. You take over the $258,436 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $208,554.35 is due at closing. Uses and sources reconcile at $466,990.83 each. Not a Closing Disclosure.