Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$188,967Cash toward the purchase price.
Closing costs + prepaids$10,825Not just lender fees.
Before credits & paid funds$199,792The complete starting cash picture.
Estimated remaining funds due at closing
$199,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,967.23
Your down payment$188,967.23
Closing costs + prepaids$10,824.53
Total buyer cash needed$199,791.76
Remaining funds due$199,791.76
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$830.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$857.00
Prepaid interest, first (28 days)$369.37
Fees + prepaids$10,824.53
Your down payment is the seller’s equity. You take over the $166,033 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $199,791.76 is due at closing. Uses and sources reconcile at $365,824.53 each. Not a Closing Disclosure.