Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$188,410Cash toward the purchase price.
Closing costs + prepaids$14,999Not just lender fees.
Before credits & paid funds$203,409The complete starting cash picture.
Estimated remaining funds due at closing
$203,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,409.77
Your down payment$188,409.77
Closing costs + prepaids$14,998.75
Total buyer cash needed$203,408.52
Remaining funds due$203,408.52
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,757.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,690.00
Prepaid interest, first (22 days)$684.30
Fees + prepaids$14,998.75
Your down payment is the seller’s equity. You take over the $351,490 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $203,408.52 is due at closing. Uses and sources reconcile at $554,898.75 each. Not a Closing Disclosure.