Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$187,972Cash toward the purchase price.
Closing costs + prepaids$10,394Not just lender fees.
Before credits & paid funds$198,366The complete starting cash picture.
Estimated remaining funds due at closing
$198,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,972.01
Your down payment$187,972.01
Closing costs + prepaids$10,394.05
Total buyer cash needed$198,366.06
Remaining funds due$198,366.06
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%)$3,189.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$654.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,053.00
Initial HOA (3 months)$37.50
Prepaid interest, first (24 days)$241.91
Fees + prepaids$10,394.05
Your down payment is the seller’s equity. You take over the $130,928 balance, so the rest of the $318,900 price is paid at closing. A second mortgage can cover part of it. $198,366.06 is due at closing. Uses and sources reconcile at $329,294.05 each. Not a Closing Disclosure.