Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$194,822Cash toward the purchase price.
Closing costs + prepaids$9,976Not just lender fees.
Before credits & paid funds$204,798The complete starting cash picture.
Estimated remaining funds due at closing
$204,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,822.02
Your down payment$194,822.02
Closing costs + prepaids$9,975.69
Total buyer cash needed$204,797.71
Remaining funds due$204,797.71
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%)$3,329.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$690.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$460.25
Prepaid interest, first (25 days)$278.05
Fees + prepaids$9,975.69
Your down payment is the seller’s equity. You take over the $138,078 balance, so the rest of the $332,900 price is paid at closing. A second mortgage can cover part of it. $204,797.71 is due at closing. Uses and sources reconcile at $342,875.69 each. Not a Closing Disclosure.