Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$195,717Cash toward the purchase price.
Closing costs + prepaids$10,662Not just lender fees.
Before credits & paid funds$206,378The complete starting cash picture.
Estimated remaining funds due at closing
$206,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,716.72
Your down payment$195,716.72
Closing costs + prepaids$10,661.60
Total buyer cash needed$206,378.32
Remaining funds due$206,378.32
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$895.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$322.50
Prepaid interest, first (25 days)$476.19
Fees + prepaids$10,661.60
Your down payment is the seller’s equity. You take over the $179,183 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $206,378.32 is due at closing. Uses and sources reconcile at $385,561.60 each. Not a Closing Disclosure.