Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$192,262Cash toward the purchase price.
Closing costs + prepaids$11,923Not just lender fees.
Before credits & paid funds$204,185The complete starting cash picture.
Estimated remaining funds due at closing
$204,185No 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$11,922.78
Total buyer cash needed$204,184.97
Remaining funds due$204,184.97
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)$540.00
Initial HOA (3 months)$99.99
Prepaid interest, first (10 days)$276.10
Fees + prepaids$11,922.78
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. $204,184.97 is due at closing. Uses and sources reconcile at $461,922.78 each. Not a Closing Disclosure.