Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$183,182Cash toward the purchase price.
Closing costs + prepaids$11,204Not just lender fees.
Before credits & paid funds$194,386The complete starting cash picture.
Estimated remaining funds due at closing
$194,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,182.35
Your down payment$183,182.35
Closing costs + prepaids$11,203.80
Total buyer cash needed$194,386.15
Remaining funds due$194,386.15
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%)$3,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$908.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,116.75
Prepaid interest, first (23 days)$311.46
Fees + prepaids$11,203.80
Your down payment is the seller’s equity. You take over the $181,718 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $194,386.15 is due at closing. Uses and sources reconcile at $376,103.80 each. Not a Closing Disclosure.