Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$199,284Cash toward the purchase price.
Closing costs + prepaids$10,800Not just lender fees.
Before credits & paid funds$210,084The complete starting cash picture.
Estimated remaining funds due at closing
$210,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,283.59
Your down payment$199,283.59
Closing costs + prepaids$10,800.42
Total buyer cash needed$210,084.01
Remaining funds due$210,084.01
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$978.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$39.75
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$524.09
Fees + prepaids$10,800.42
Your down payment is the seller’s equity. You take over the $195,716 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $210,084.01 is due at closing. Uses and sources reconcile at $405,800.42 each. Not a Closing Disclosure.