Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$179,380Cash toward the purchase price.
Closing costs + prepaids$10,732Not just lender fees.
Before credits & paid funds$190,112The complete starting cash picture.
Estimated remaining funds due at closing
$190,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,379.95
Your down payment$179,379.95
Closing costs + prepaids$10,731.98
Total buyer cash needed$190,111.93
Remaining funds due$190,111.93
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,103.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (22 days)$410.90
Fees + prepaids$10,731.98
Your down payment is the seller’s equity. You take over the $220,619 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $190,111.93 is due at closing. Uses and sources reconcile at $410,730.98 each. Not a Closing Disclosure.