Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$202,954Cash toward the purchase price.
Closing costs + prepaids$11,889Not just lender fees.
Before credits & paid funds$214,843The complete starting cash picture.
Estimated remaining funds due at closing
$214,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,953.59
Your down payment$202,953.59
Closing costs + prepaids$11,889.37
Total buyer cash needed$214,842.96
Remaining funds due$214,842.96
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,234.73
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)$204.00
Prepaid interest, first (9 days)$193.63
Fees + prepaids$11,889.37
Your down payment is the seller’s equity. You take over the $246,946 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $214,842.96 is due at closing. Uses and sources reconcile at $461,789.37 each. Not a Closing Disclosure.