Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$189,022Cash toward the purchase price.
Closing costs + prepaids$11,715Not just lender fees.
Before credits & paid funds$200,737The complete starting cash picture.
Estimated remaining funds due at closing
$200,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,022.23
Your down payment$189,022.23
Closing costs + prepaids$11,714.94
Total buyer cash needed$200,737.16
Remaining funds due$200,737.16
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%)$4,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,294.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.50
Prepaid interest, first (9 days)$184.55
Fees + prepaids$11,714.94
Your down payment is the seller’s equity. You take over the $258,978 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $200,737.16 is due at closing. Uses and sources reconcile at $459,714.94 each. Not a Closing Disclosure.