Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$204,016Cash toward the purchase price.
Closing costs + prepaids$11,359Not just lender fees.
Before credits & paid funds$215,375The complete starting cash picture.
Estimated remaining funds due at closing
$215,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,015.87
Your down payment$204,015.87
Closing costs + prepaids$11,358.87
Total buyer cash needed$215,374.75
Remaining funds due$215,374.75
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$904.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$962.50
Prepaid interest, first (28 days)$423.45
Fees + prepaids$11,358.87
Your down payment is the seller’s equity. You take over the $180,984 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $215,374.75 is due at closing. Uses and sources reconcile at $396,358.87 each. Not a Closing Disclosure.