Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$183,584Cash toward the purchase price.
Closing costs + prepaids$12,181Not just lender fees.
Before credits & paid funds$195,765The complete starting cash picture.
Estimated remaining funds due at closing
$195,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,584.29
Your down payment$183,584.29
Closing costs + prepaids$12,180.79
Total buyer cash needed$195,765.08
Remaining funds due$195,765.08
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,331.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Prepaid interest, first (30 days)$628.21
Fees + prepaids$12,180.79
Your down payment is the seller’s equity. You take over the $266,316 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $195,765.08 is due at closing. Uses and sources reconcile at $462,080.79 each. Not a Closing Disclosure.