Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$188,398Cash toward the purchase price.
Closing costs + prepaids$48,516Not just lender fees.
Before credits & paid funds$236,914The complete starting cash picture.
Estimated remaining funds due at closing
$236,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,397.75
Your down payment$188,397.75
Closing costs + prepaids$48,515.87
Total buyer cash needed$236,913.63
Remaining funds due$236,913.63
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%)$3,259.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$687.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$39,099.25
Prepaid interest, first (23 days)$251.36
Fees + prepaids$48,515.87
Your down payment is the seller’s equity. You take over the $137,552 balance, so the rest of the $325,950 price is paid at closing. A second mortgage can cover part of it. $236,913.63 is due at closing. Uses and sources reconcile at $374,465.87 each. Not a Closing Disclosure.