Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$190,475Cash toward the purchase price.
Closing costs + prepaids$12,854Not just lender fees.
Before credits & paid funds$203,329The complete starting cash picture.
Estimated remaining funds due at closing
$203,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,474.61
Your down payment$190,474.61
Closing costs + prepaids$12,854.46
Total buyer cash needed$203,329.07
Remaining funds due$203,329.07
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,347.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$479.25
Initial HOA (3 months)$282.00
Prepaid interest, first (31 days)$677.58
Fees + prepaids$12,854.46
Your down payment is the seller’s equity. You take over the $269,525 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $203,329.07 is due at closing. Uses and sources reconcile at $472,854.46 each. Not a Closing Disclosure.