Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$189,829Cash toward the purchase price.
Closing costs + prepaids$12,202Not just lender fees.
Before credits & paid funds$202,032The complete starting cash picture.
Estimated remaining funds due at closing
$202,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,829.50
Your down payment$189,829.50
Closing costs + prepaids$12,202.01
Total buyer cash needed$202,031.51
Remaining funds due$202,031.51
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%)$1,350.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$479.25
Initial HOA (3 months)$282.00
Prepaid interest, first (1 days)$21.91
Fees + prepaids$12,202.01
Your down payment is the seller’s equity. You take over the $270,171 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $202,031.51 is due at closing. Uses and sources reconcile at $472,202.01 each. Not a Closing Disclosure.