Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$197,774Cash toward the purchase price.
Closing costs + prepaids$11,090Not just lender fees.
Before credits & paid funds$208,864The complete starting cash picture.
Estimated remaining funds due at closing
$208,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,773.79
Your down payment$197,773.79
Closing costs + prepaids$11,090.28
Total buyer cash needed$208,864.07
Remaining funds due$208,864.07
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%)$3,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$846.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$466.00
Initial HOA (3 months)$43.74
Prepaid interest, first (28 days)$846.41
Fees + prepaids$11,090.28
Your down payment is the seller’s equity. You take over the $169,226 balance, so the rest of the $367,000 price is paid at closing. A second mortgage can cover part of it. $208,864.07 is due at closing. Uses and sources reconcile at $378,090.28 each. Not a Closing Disclosure.