Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$178,697Cash toward the purchase price.
Closing costs + prepaids$10,996Not just lender fees.
Before credits & paid funds$189,693The complete starting cash picture.
Estimated remaining funds due at closing
$189,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,697.20
Your down payment$178,697.20
Closing costs + prepaids$10,995.76
Total buyer cash needed$189,692.96
Remaining funds due$189,692.96
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%)$3,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,096.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$277.00
Prepaid interest, first (23 days)$424.25
Fees + prepaids$10,995.76
Your down payment is the seller’s equity. You take over the $219,303 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $189,692.96 is due at closing. Uses and sources reconcile at $408,995.76 each. Not a Closing Disclosure.