Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$196,957Cash toward the purchase price.
Closing costs + prepaids$12,751Not just lender fees.
Before credits & paid funds$209,708The complete starting cash picture.
Estimated remaining funds due at closing
$209,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,957.17
Your down payment$196,957.17
Closing costs + prepaids$12,751.32
Total buyer cash needed$209,708.49
Remaining funds due$209,708.49
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,264.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$964.00
Prepaid interest, first (31 days)$805.61
Fees + prepaids$12,751.32
Your down payment is the seller’s equity. You take over the $252,943 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $209,708.49 is due at closing. Uses and sources reconcile at $462,651.32 each. Not a Closing Disclosure.