Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$188,697Cash toward the purchase price.
Closing costs + prepaids$11,075Not just lender fees.
Before credits & paid funds$199,772The complete starting cash picture.
Estimated remaining funds due at closing
$199,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,697.37
Your down payment$188,697.37
Closing costs + prepaids$11,074.61
Total buyer cash needed$199,771.97
Remaining funds due$199,771.97
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$931.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$776.25
Initial HOA (3 months)$39.51
Prepaid interest, first (22 days)$359.33
Fees + prepaids$11,074.61
Your down payment is the seller’s equity. You take over the $186,303 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $199,771.97 is due at closing. Uses and sources reconcile at $386,074.61 each. Not a Closing Disclosure.