Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$176,285Cash toward the purchase price.
Closing costs + prepaids$11,415Not just lender fees.
Before credits & paid funds$187,700The complete starting cash picture.
Estimated remaining funds due at closing
$187,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,284.73
Your down payment$176,284.73
Closing costs + prepaids$11,415.16
Total buyer cash needed$187,699.89
Remaining funds due$187,699.89
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,043.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$921.00
Prepaid interest, first (24 days)$384.08
Fees + prepaids$11,415.16
Your down payment is the seller’s equity. You take over the $208,615 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $187,699.89 is due at closing. Uses and sources reconcile at $396,315.16 each. Not a Closing Disclosure.