Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$189,900Cash toward the purchase price.
Closing costs + prepaids$13,022Not just lender fees.
Before credits & paid funds$202,922The complete starting cash picture.
Estimated remaining funds due at closing
$202,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,900.03
Your down payment$189,900.03
Closing costs + prepaids$13,022.45
Total buyer cash needed$202,922.47
Remaining funds due$202,922.47
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,500.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Initial HOA (3 months)$311.01
Prepaid interest, first (10 days)$256.44
Fees + prepaids$13,022.45
Your down payment is the seller’s equity. You take over the $300,000 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $202,922.47 is due at closing. Uses and sources reconcile at $502,922.45 each. Not a Closing Disclosure.