Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$204,108Cash toward the purchase price.
Closing costs + prepaids$9,612Not just lender fees.
Before credits & paid funds$213,719The complete starting cash picture.
Estimated remaining funds due at closing
$213,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,107.50
Your down payment$204,107.50
Closing costs + prepaids$9,611.60
Total buyer cash needed$213,719.10
Remaining funds due$213,719.10
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%)$2,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$253.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$793.00
Initial HOA (3 months)$612.00
Prepaid interest, first (29 days)$185.64
Fees + prepaids$9,611.60
Your down payment is the seller’s equity. You take over the $50,792 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $213,719.10 is due at closing. Uses and sources reconcile at $264,511.60 each. Not a Closing Disclosure.