Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$203,707Cash toward the purchase price.
Closing costs + prepaids$11,932Not just lender fees.
Before credits & paid funds$215,638The complete starting cash picture.
Estimated remaining funds due at closing
$215,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,706.91
Your down payment$203,706.91
Closing costs + prepaids$11,931.50
Total buyer cash needed$215,638.41
Remaining funds due$215,638.41
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$926.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$972.50
Prepaid interest, first (29 days)$924.54
Fees + prepaids$11,931.50
Your down payment is the seller’s equity. You take over the $185,293 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $215,638.41 is due at closing. Uses and sources reconcile at $400,931.50 each. Not a Closing Disclosure.