Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$198,570Cash toward the purchase price.
Closing costs + prepaids$11,973Not just lender fees.
Before credits & paid funds$210,544The complete starting cash picture.
Estimated remaining funds due at closing
$210,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,570.20
Your down payment$198,570.20
Closing costs + prepaids$11,973.38
Total buyer cash needed$210,543.58
Remaining funds due$210,543.58
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%)$1,257.15
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)$213.00
Prepaid interest, first (10 days)$245.23
Fees + prepaids$11,973.38
Your down payment is the seller’s equity. You take over the $251,430 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $210,543.58 is due at closing. Uses and sources reconcile at $461,973.38 each. Not a Closing Disclosure.