Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$189,739Cash toward the purchase price.
Closing costs + prepaids$9,866Not just lender fees.
Before credits & paid funds$199,605The complete starting cash picture.
Estimated remaining funds due at closing
$199,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,739.01
Your down payment$189,739.01
Closing costs + prepaids$9,865.81
Total buyer cash needed$199,604.83
Remaining funds due$199,604.83
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%)$2,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$391.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.00
Initial HOA (3 months)$900.00
Prepaid interest, first (24 days)$229.51
Fees + prepaids$9,865.81
Your down payment is the seller’s equity. You take over the $78,261 balance, so the rest of the $268,000 price is paid at closing. A second mortgage can cover part of it. $199,604.83 is due at closing. Uses and sources reconcile at $277,865.81 each. Not a Closing Disclosure.