Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$188,368Cash toward the purchase price.
Closing costs + prepaids$13,036Not just lender fees.
Before credits & paid funds$201,404The complete starting cash picture.
Estimated remaining funds due at closing
$201,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,368.25
Your down payment$188,368.25
Closing costs + prepaids$13,035.78
Total buyer cash needed$201,404.03
Remaining funds due$201,404.03
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,308.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,343.00
Prepaid interest, first (31 days)$666.62
Fees + prepaids$13,035.78
Your down payment is the seller’s equity. You take over the $261,632 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $201,404.03 is due at closing. Uses and sources reconcile at $463,035.78 each. Not a Closing Disclosure.