Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$199,533Cash toward the purchase price.
Closing costs + prepaids$11,564Not just lender fees.
Before credits & paid funds$211,097The complete starting cash picture.
Estimated remaining funds due at closing
$211,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,533.45
Your down payment$199,533.45
Closing costs + prepaids$11,563.69
Total buyer cash needed$211,097.14
Remaining funds due$211,097.14
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$952.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$975.00
Initial HOA (3 months)$62.49
Prepaid interest, first (24 days)$455.87
Fees + prepaids$11,563.69
Your down payment is the seller’s equity. You take over the $190,467 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $211,097.14 is due at closing. Uses and sources reconcile at $401,563.69 each. Not a Closing Disclosure.