Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$188,679Cash toward the purchase price.
Closing costs + prepaids$12,485Not just lender fees.
Before credits & paid funds$201,164The complete starting cash picture.
Estimated remaining funds due at closing
$201,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,679.36
Your down payment$188,679.36
Closing costs + prepaids$12,484.65
Total buyer cash needed$201,164.01
Remaining funds due$201,164.01
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,256.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$798.00
Prepaid interest, first (30 days)$813.54
Fees + prepaids$12,484.65
Your down payment is the seller’s equity. You take over the $251,221 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $201,164.01 is due at closing. Uses and sources reconcile at $452,384.65 each. Not a Closing Disclosure.