Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$180,739Cash toward the purchase price.
Closing costs + prepaids$11,303Not just lender fees.
Before credits & paid funds$192,043The complete starting cash picture.
Estimated remaining funds due at closing
$192,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,739.45
Your down payment$180,739.45
Closing costs + prepaids$11,303.13
Total buyer cash needed$192,042.58
Remaining funds due$192,042.58
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,071.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$628.50
Prepaid interest, first (24 days)$435.33
Fees + prepaids$11,303.13
Your down payment is the seller’s equity. You take over the $214,261 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $192,042.58 is due at closing. Uses and sources reconcile at $406,303.13 each. Not a Closing Disclosure.