Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$196,633Cash toward the purchase price.
Closing costs + prepaids$11,675Not just lender fees.
Before credits & paid funds$208,308The complete starting cash picture.
Estimated remaining funds due at closing
$208,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,632.84
Your down payment$196,632.84
Closing costs + prepaids$11,674.84
Total buyer cash needed$208,307.69
Remaining funds due$208,307.69
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%)$3,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$704.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$843.75
Initial HOA (3 months)$1,200.00
Prepaid interest, first (23 days)$333.76
Fees + prepaids$11,674.84
Your down payment is the seller’s equity. You take over the $140,867 balance, so the rest of the $337,500 price is paid at closing. A second mortgage can cover part of it. $208,307.69 is due at closing. Uses and sources reconcile at $349,174.84 each. Not a Closing Disclosure.