Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$198,283Cash toward the purchase price.
Closing costs + prepaids$12,344Not just lender fees.
Before credits & paid funds$210,628The complete starting cash picture.
Estimated remaining funds due at closing
$210,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,283.35
Your down payment$198,283.35
Closing costs + prepaids$12,344.35
Total buyer cash needed$210,627.70
Remaining funds due$210,627.70
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%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,233.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,112.25
Prepaid interest, first (18 days)$332.02
Fees + prepaids$12,344.35
Your down payment is the seller’s equity. You take over the $246,617 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $210,627.70 is due at closing. Uses and sources reconcile at $457,244.35 each. Not a Closing Disclosure.