Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$189,022Cash toward the purchase price.
Closing costs + prepaids$12,188Not just lender fees.
Before credits & paid funds$201,210The complete starting cash picture.
Estimated remaining funds due at closing
$201,210No 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$12,188.03
Total buyer cash needed$201,210.26
Remaining funds due$201,210.26
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)$641.50
Prepaid interest, first (27 days)$553.64
Fees + prepaids$12,188.03
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. $201,210.26 is due at closing. Uses and sources reconcile at $460,188.03 each. Not a Closing Disclosure.