Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$189,996Cash toward the purchase price.
Closing costs + prepaids$12,665Not just lender fees.
Before credits & paid funds$202,661The complete starting cash picture.
Estimated remaining funds due at closing
$202,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,996.07
Your down payment$189,996.07
Closing costs + prepaids$12,665.00
Total buyer cash needed$202,661.08
Remaining funds due$202,661.08
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%)$3,679.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$889.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,471.00
Initial HOA (3 months)$1,014.00
Prepaid interest, first (27 days)$393.48
Fees + prepaids$12,665.00
Your down payment is the seller’s equity. You take over the $177,904 balance, so the rest of the $367,900 price is paid at closing. A second mortgage can cover part of it. $202,661.08 is due at closing. Uses and sources reconcile at $380,565.00 each. Not a Closing Disclosure.