Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$193,671Cash toward the purchase price.
Closing costs + prepaids$11,215Not just lender fees.
Before credits & paid funds$204,886The complete starting cash picture.
Estimated remaining funds due at closing
$204,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,671.11
Your down payment$193,671.11
Closing costs + prepaids$11,214.92
Total buyer cash needed$204,886.03
Remaining funds due$204,886.03
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%)$3,820.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$941.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$538.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$666.01
Fees + prepaids$11,214.92
Your down payment is the seller’s equity. You take over the $188,329 balance, so the rest of the $382,000 price is paid at closing. A second mortgage can cover part of it. $204,886.03 is due at closing. Uses and sources reconcile at $393,214.92 each. Not a Closing Disclosure.