Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$202,214Cash toward the purchase price.
Closing costs + prepaids$11,086Not just lender fees.
Before credits & paid funds$213,300The complete starting cash picture.
Estimated remaining funds due at closing
$213,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,214.44
Your down payment$202,214.44
Closing costs + prepaids$11,085.99
Total buyer cash needed$213,300.44
Remaining funds due$213,300.44
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$888.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Prepaid interest, first (24 days)$743.07
Fees + prepaids$11,085.99
Your down payment is the seller’s equity. You take over the $177,686 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $213,300.44 is due at closing. Uses and sources reconcile at $390,985.99 each. Not a Closing Disclosure.