Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$187,849Cash toward the purchase price.
Closing costs + prepaids$11,986Not just lender fees.
Before credits & paid funds$199,835The complete starting cash picture.
Estimated remaining funds due at closing
$199,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,849.40
Your down payment$187,849.40
Closing costs + prepaids$11,985.91
Total buyer cash needed$199,835.31
Remaining funds due$199,835.31
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,310.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Initial HOA (3 months)$90.00
Prepaid interest, first (14 days)$304.67
Fees + prepaids$11,985.91
Your down payment is the seller’s equity. You take over the $262,150 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $199,835.31 is due at closing. Uses and sources reconcile at $461,984.91 each. Not a Closing Disclosure.