Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$193,890Cash toward the purchase price.
Closing costs + prepaids$11,336Not just lender fees.
Before credits & paid funds$205,226The complete starting cash picture.
Estimated remaining funds due at closing
$205,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,890.19
Your down payment$193,890.19
Closing costs + prepaids$11,335.58
Total buyer cash needed$205,225.78
Remaining funds due$205,225.78
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%)$3,689.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$875.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$922.25
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$581.27
Fees + prepaids$11,335.58
Your down payment is the seller’s equity. You take over the $175,010 balance, so the rest of the $368,900 price is paid at closing. A second mortgage can cover part of it. $205,225.78 is due at closing. Uses and sources reconcile at $380,235.58 each. Not a Closing Disclosure.