Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$188,950Cash toward the purchase price.
Closing costs + prepaids$10,237Not just lender fees.
Before credits & paid funds$199,187The complete starting cash picture.
Estimated remaining funds due at closing
$199,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,949.79
Your down payment$188,949.79
Closing costs + prepaids$10,237.04
Total buyer cash needed$199,186.83
Remaining funds due$199,186.83
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$700.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$527.50
Initial HOA (3 months)$237.00
Prepaid interest, first (24 days)$264.29
Fees + prepaids$10,237.04
Your down payment is the seller’s equity. You take over the $140,050 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $199,186.83 is due at closing. Uses and sources reconcile at $339,237.04 each. Not a Closing Disclosure.