Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$194,114Cash toward the purchase price.
Closing costs + prepaids$14,628Not just lender fees.
Before credits & paid funds$208,742The complete starting cash picture.
Estimated remaining funds due at closing
$208,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,113.76
Your down payment$194,113.76
Closing costs + prepaids$14,628.43
Total buyer cash needed$208,742.20
Remaining funds due$208,742.20
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%)$5,749.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,904.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$387.00
Prepaid interest, first (22 days)$1,119.15
Fees + prepaids$14,628.43
Your down payment is the seller’s equity. You take over the $380,876 balance, so the rest of the $574,990 price is paid at closing. A second mortgage can cover part of it. $208,742.20 is due at closing. Uses and sources reconcile at $589,618.43 each. Not a Closing Disclosure.