Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$182,920Cash toward the purchase price.
Closing costs + prepaids$11,273Not just lender fees.
Before credits & paid funds$194,192The complete starting cash picture.
Estimated remaining funds due at closing
$194,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,919.56
Your down payment$182,919.56
Closing costs + prepaids$11,272.86
Total buyer cash needed$194,192.42
Remaining funds due$194,192.42
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,034.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$513.75
Initial HOA (3 months)$29.25
Prepaid interest, first (28 days)$577.96
Fees + prepaids$11,272.86
Your down payment is the seller’s equity. You take over the $206,980 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $194,192.42 is due at closing. Uses and sources reconcile at $401,172.86 each. Not a Closing Disclosure.