Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$183,102Cash toward the purchase price.
Closing costs + prepaids$12,331Not just lender fees.
Before credits & paid funds$195,433The complete starting cash picture.
Estimated remaining funds due at closing
$195,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,101.60
Your down payment$183,101.60
Closing costs + prepaids$12,331.44
Total buyer cash needed$195,433.04
Remaining funds due$195,433.04
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,384.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$396.25
Initial HOA (3 months)$68.49
Prepaid interest, first (20 days)$414.21
Fees + prepaids$12,331.44
Your down payment is the seller’s equity. You take over the $276,898 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $195,433.04 is due at closing. Uses and sources reconcile at $472,331.44 each. Not a Closing Disclosure.