Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$196,142Cash toward the purchase price.
Closing costs + prepaids$11,723Not just lender fees.
Before credits & paid funds$207,865The complete starting cash picture.
Estimated remaining funds due at closing
$207,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,141.59
Your down payment$196,141.59
Closing costs + prepaids$11,723.06
Total buyer cash needed$207,864.65
Remaining funds due$207,864.65
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%)$3,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$939.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$960.00
Initial HOA (3 months)$234.00
Prepaid interest, first (28 days)$531.77
Fees + prepaids$11,723.06
Your down payment is the seller’s equity. You take over the $187,858 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $207,864.65 is due at closing. Uses and sources reconcile at $395,723.06 each. Not a Closing Disclosure.