Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$197,924Cash toward the purchase price.
Closing costs + prepaids$12,569Not just lender fees.
Before credits & paid funds$210,493The complete starting cash picture.
Estimated remaining funds due at closing
$210,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,923.54
Your down payment$197,923.54
Closing costs + prepaids$12,569.41
Total buyer cash needed$210,492.95
Remaining funds due$210,492.95
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,285.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$568.75
Prepaid interest, first (15 days)$697.28
Fees + prepaids$12,569.41
Your down payment is the seller’s equity. You take over the $257,076 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $210,492.95 is due at closing. Uses and sources reconcile at $467,569.41 each. Not a Closing Disclosure.