Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$198,393Cash toward the purchase price.
Closing costs + prepaids$12,668Not just lender fees.
Before credits & paid funds$211,061The complete starting cash picture.
Estimated remaining funds due at closing
$211,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,392.69
Your down payment$198,392.69
Closing costs + prepaids$12,668.31
Total buyer cash needed$211,061.00
Remaining funds due$211,061.00
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%)$4,477.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,246.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$966.75
Initial HOA (3 months)$210.00
Prepaid interest, first (30 days)$549.27
Fees + prepaids$12,668.31
Your down payment is the seller’s equity. You take over the $249,357 balance, so the rest of the $447,750 price is paid at closing. A second mortgage can cover part of it. $211,061.00 is due at closing. Uses and sources reconcile at $460,418.31 each. Not a Closing Disclosure.