Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$183,419Cash toward the purchase price.
Closing costs + prepaids$13,040Not just lender fees.
Before credits & paid funds$196,459The complete starting cash picture.
Estimated remaining funds due at closing
$196,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,418.88
Your down payment$183,418.88
Closing costs + prepaids$13,039.91
Total buyer cash needed$196,458.79
Remaining funds due$196,458.79
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,432.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$640.00
Initial HOA (3 months)$339.00
Prepaid interest, first (20 days)$461.51
Fees + prepaids$13,039.91
Your down payment is the seller’s equity. You take over the $286,481 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $196,458.79 is due at closing. Uses and sources reconcile at $482,939.91 each. Not a Closing Disclosure.