Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$187,853Cash toward the purchase price.
Closing costs + prepaids$11,455Not just lender fees.
Before credits & paid funds$199,308The complete starting cash picture.
Estimated remaining funds due at closing
$199,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,852.87
Your down payment$187,852.87
Closing costs + prepaids$11,454.84
Total buyer cash needed$199,307.71
Remaining funds due$199,307.71
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$910.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,035.75
Prepaid interest, first (26 days)$590.36
Fees + prepaids$11,454.84
Your down payment is the seller’s equity. You take over the $182,147 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $199,307.71 is due at closing. Uses and sources reconcile at $381,454.84 each. Not a Closing Disclosure.