Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$184,377Cash toward the purchase price.
Closing costs + prepaids$10,991Not just lender fees.
Before credits & paid funds$195,367The complete starting cash picture.
Estimated remaining funds due at closing
$195,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,376.59
Your down payment$184,376.59
Closing costs + prepaids$10,990.68
Total buyer cash needed$195,367.27
Remaining funds due$195,367.27
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%)$3,925.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,040.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$266.00
Initial HOA (3 months)$35.01
Prepaid interest, first (25 days)$506.05
Fees + prepaids$10,990.68
Your down payment is the seller’s equity. You take over the $208,123 balance, so the rest of the $392,500 price is paid at closing. A second mortgage can cover part of it. $195,367.27 is due at closing. Uses and sources reconcile at $403,490.68 each. Not a Closing Disclosure.