Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$192,819Cash toward the purchase price.
Closing costs + prepaids$11,792Not just lender fees.
Before credits & paid funds$204,611The complete starting cash picture.
Estimated remaining funds due at closing
$204,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,819.09
Your down payment$192,819.09
Closing costs + prepaids$11,791.60
Total buyer cash needed$204,610.68
Remaining funds due$204,610.68
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,260.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$815.75
Initial HOA (3 months)$3.00
Prepaid interest, first (2 days)$43.94
Fees + prepaids$11,791.60
Your down payment is the seller’s equity. You take over the $252,181 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $204,610.68 is due at closing. Uses and sources reconcile at $456,791.60 each. Not a Closing Disclosure.