Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$183,213Cash toward the purchase price.
Closing costs + prepaids$10,980Not just lender fees.
Before credits & paid funds$194,193The complete starting cash picture.
Estimated remaining funds due at closing
$194,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,213.19
Your down payment$183,213.19
Closing costs + prepaids$10,979.57
Total buyer cash needed$194,192.76
Remaining funds due$194,192.76
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%)$983.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$555.75
Prepaid interest, first (27 days)$423.39
Fees + prepaids$10,979.57
Your down payment is the seller’s equity. You take over the $196,687 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $194,192.76 is due at closing. Uses and sources reconcile at $390,879.57 each. Not a Closing Disclosure.