Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$198,570Cash toward the purchase price.
Closing costs + prepaids$11,949Not just lender fees.
Before credits & paid funds$210,519The complete starting cash picture.
Estimated remaining funds due at closing
$210,519No 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$11,948.86
Total buyer cash needed$210,519.06
Remaining funds due$210,519.06
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 (9 days)$220.71
Fees + prepaids$11,948.86
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. $210,519.06 is due at closing. Uses and sources reconcile at $461,948.86 each. Not a Closing Disclosure.