Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$194,180Cash toward the purchase price.
Closing costs + prepaids$14,395Not just lender fees.
Before credits & paid funds$208,575The complete starting cash picture.
Estimated remaining funds due at closing
$208,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,179.89
Your down payment$194,179.89
Closing costs + prepaids$14,395.49
Total buyer cash needed$208,575.38
Remaining funds due$208,575.38
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,454.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$906.75
Prepaid interest, first (31 days)$1,716.64
Fees + prepaids$14,395.49
Your down payment is the seller’s equity. You take over the $290,820 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $208,575.38 is due at closing. Uses and sources reconcile at $499,395.49 each. Not a Closing Disclosure.