Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$194,100Cash toward the purchase price.
Closing costs + prepaids$14,926Not just lender fees.
Before credits & paid funds$209,026The complete starting cash picture.
Estimated remaining funds due at closing
$209,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,099.99
Your down payment$194,099.99
Closing costs + prepaids$14,925.78
Total buyer cash needed$209,025.77
Remaining funds due$209,025.77
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,379.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,726.25
Prepaid interest, first (31 days)$653.53
Fees + prepaids$14,925.78
Your down payment is the seller’s equity. You take over the $275,800 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $209,025.77 is due at closing. Uses and sources reconcile at $484,825.78 each. Not a Closing Disclosure.