Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$179,454Cash toward the purchase price.
Closing costs + prepaids$11,702Not just lender fees.
Before credits & paid funds$191,156The complete starting cash picture.
Estimated remaining funds due at closing
$191,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,453.95
Your down payment$179,453.95
Closing costs + prepaids$11,702.42
Total buyer cash needed$191,156.37
Remaining funds due$191,156.37
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,077.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$987.50
Initial HOA (3 months)$9.99
Prepaid interest, first (27 days)$459.20
Fees + prepaids$11,702.42
Your down payment is the seller’s equity. You take over the $215,546 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $191,156.37 is due at closing. Uses and sources reconcile at $406,702.42 each. Not a Closing Disclosure.