Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$200,202Cash toward the purchase price.
Closing costs + prepaids$12,268Not just lender fees.
Before credits & paid funds$212,471The complete starting cash picture.
Estimated remaining funds due at closing
$212,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,202.18
Your down payment$200,202.18
Closing costs + prepaids$12,268.46
Total buyer cash needed$212,470.64
Remaining funds due$212,470.64
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$898.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$949.75
Initial HOA (3 months)$930.00
Prepaid interest, first (27 days)$473.22
Fees + prepaids$12,268.46
Your down payment is the seller’s equity. You take over the $179,698 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $212,470.64 is due at closing. Uses and sources reconcile at $392,168.46 each. Not a Closing Disclosure.