Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$190,387Cash toward the purchase price.
Closing costs + prepaids$12,700Not just lender fees.
Before credits & paid funds$203,087The complete starting cash picture.
Estimated remaining funds due at closing
$203,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,387.19
Your down payment$190,387.19
Closing costs + prepaids$12,700.04
Total buyer cash needed$203,087.23
Remaining funds due$203,087.23
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,347.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$551.75
Initial HOA (3 months)$147.00
Prepaid interest, first (29 days)$586.73
Fees + prepaids$12,700.04
Your down payment is the seller’s equity. You take over the $269,513 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $203,087.23 is due at closing. Uses and sources reconcile at $472,600.04 each. Not a Closing Disclosure.