Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$195,085Cash toward the purchase price.
Closing costs + prepaids$12,215Not just lender fees.
Before credits & paid funds$207,299The complete starting cash picture.
Estimated remaining funds due at closing
$207,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,084.65
Your down payment$195,084.65
Closing costs + prepaids$12,214.51
Total buyer cash needed$207,299.16
Remaining funds due$207,299.16
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,274.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$692.50
Initial HOA (3 months)$492.00
Prepaid interest, first (2 days)$37.43
Fees + prepaids$12,214.51
Your down payment is the seller’s equity. You take over the $254,915 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $207,299.16 is due at closing. Uses and sources reconcile at $462,214.51 each. Not a Closing Disclosure.