Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$192,262Cash toward the purchase price.
Closing costs + prepaids$13,007Not just lender fees.
Before credits & paid funds$205,269The complete starting cash picture.
Estimated remaining funds due at closing
$205,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,262.19
Your down payment$192,262.19
Closing costs + prepaids$13,007.23
Total buyer cash needed$205,269.43
Remaining funds due$205,269.43
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,288.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,320.75
Initial HOA (3 months)$99.99
Prepaid interest, first (21 days)$579.80
Fees + prepaids$13,007.23
Your down payment is the seller’s equity. You take over the $257,738 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $205,269.43 is due at closing. Uses and sources reconcile at $463,007.23 each. Not a Closing Disclosure.