Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$194,054Cash toward the purchase price.
Closing costs + prepaids$10,536Not just lender fees.
Before credits & paid funds$204,590The complete starting cash picture.
Estimated remaining funds due at closing
$204,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,053.81
Your down payment$194,053.81
Closing costs + prepaids$10,536.24
Total buyer cash needed$204,590.05
Remaining funds due$204,590.05
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%)$3,269.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$664.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$601.75
Initial HOA (3 months)$396.00
Prepaid interest, first (28 days)$387.26
Fees + prepaids$10,536.24
Your down payment is the seller’s equity. You take over the $132,846 balance, so the rest of the $326,900 price is paid at closing. A second mortgage can cover part of it. $204,590.05 is due at closing. Uses and sources reconcile at $337,436.24 each. Not a Closing Disclosure.