Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$188,599Cash toward the purchase price.
Closing costs + prepaids$12,861Not just lender fees.
Before credits & paid funds$201,460The complete starting cash picture.
Estimated remaining funds due at closing
$201,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,598.52
Your down payment$188,598.52
Closing costs + prepaids$12,861.32
Total buyer cash needed$201,459.84
Remaining funds due$201,459.84
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,532.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$594.00
Prepaid interest, first (6 days)$317.31
Fees + prepaids$12,861.32
Your down payment is the seller’s equity. You take over the $306,401 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $201,459.84 is due at closing. Uses and sources reconcile at $507,861.32 each. Not a Closing Disclosure.