Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$191,501Cash toward the purchase price.
Closing costs + prepaids$11,146Not just lender fees.
Before credits & paid funds$202,647The complete starting cash picture.
Estimated remaining funds due at closing
$202,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,500.98
Your down payment$191,500.98
Closing costs + prepaids$11,146.40
Total buyer cash needed$202,647.38
Remaining funds due$202,647.38
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$592.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$774.75
Initial HOA (3 months)$1,164.00
Prepaid interest, first (27 days)$298.66
Fees + prepaids$11,146.40
Your down payment is the seller’s equity. You take over the $118,399 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $202,647.38 is due at closing. Uses and sources reconcile at $321,046.40 each. Not a Closing Disclosure.