Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$182,577Cash toward the purchase price.
Closing costs + prepaids$11,730Not just lender fees.
Before credits & paid funds$194,307The complete starting cash picture.
Estimated remaining funds due at closing
$194,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,576.95
Your down payment$182,576.95
Closing costs + prepaids$11,729.77
Total buyer cash needed$194,306.73
Remaining funds due$194,306.73
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%)$1,062.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$987.50
Initial HOA (3 months)$45.00
Prepaid interest, first (23 days)$467.16
Fees + prepaids$11,729.77
Your down payment is the seller’s equity. You take over the $212,423 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $194,306.73 is due at closing. Uses and sources reconcile at $406,729.77 each. Not a Closing Disclosure.