Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$188,262Cash toward the purchase price.
Closing costs + prepaids$11,507Not just lender fees.
Before credits & paid funds$199,769The complete starting cash picture.
Estimated remaining funds due at closing
$199,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,261.96
Your down payment$188,261.96
Closing costs + prepaids$11,507.32
Total buyer cash needed$199,769.28
Remaining funds due$199,769.28
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%)$3,699.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$908.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$601.25
Initial HOA (3 months)$510.00
Prepaid interest, first (31 days)$569.53
Fees + prepaids$11,507.32
Your down payment is the seller’s equity. You take over the $181,728 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $199,769.28 is due at closing. Uses and sources reconcile at $381,497.32 each. Not a Closing Disclosure.