Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$193,585Cash toward the purchase price.
Closing costs + prepaids$12,691Not just lender fees.
Before credits & paid funds$206,276The complete starting cash picture.
Estimated remaining funds due at closing
$206,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,585.07
Your down payment$193,585.07
Closing costs + prepaids$12,691.18
Total buyer cash needed$206,276.25
Remaining funds due$206,276.25
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,277.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,122.50
Prepaid interest, first (30 days)$583.61
Fees + prepaids$12,691.18
Your down payment is the seller’s equity. You take over the $255,415 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $206,276.25 is due at closing. Uses and sources reconcile at $461,691.18 each. Not a Closing Disclosure.