Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$186,684Cash toward the purchase price.
Closing costs + prepaids$13,854Not just lender fees.
Before credits & paid funds$200,537The complete starting cash picture.
Estimated remaining funds due at closing
$200,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,683.51
Your down payment$186,683.51
Closing costs + prepaids$13,853.54
Total buyer cash needed$200,537.05
Remaining funds due$200,537.05
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%)$4,560.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,346.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,353.25
Initial HOA (3 months)$540.00
Prepaid interest, first (18 days)$585.71
Fees + prepaids$13,853.54
Your down payment is the seller’s equity. You take over the $269,316 balance, so the rest of the $456,000 price is paid at closing. A second mortgage can cover part of it. $200,537.05 is due at closing. Uses and sources reconcile at $469,853.54 each. Not a Closing Disclosure.