Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$198,431Cash toward the purchase price.
Closing costs + prepaids$11,505Not just lender fees.
Before credits & paid funds$209,935The complete starting cash picture.
Estimated remaining funds due at closing
$209,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,430.70
Your down payment$198,430.70
Closing costs + prepaids$11,504.69
Total buyer cash needed$209,935.39
Remaining funds due$209,935.39
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%)$3,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$872.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$932.50
Initial HOA (3 months)$234.00
Prepaid interest, first (29 days)$517.35
Fees + prepaids$11,504.69
Your down payment is the seller’s equity. You take over the $174,569 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $209,935.39 is due at closing. Uses and sources reconcile at $384,504.69 each. Not a Closing Disclosure.