Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$181,266Cash toward the purchase price.
Closing costs + prepaids$10,621Not just lender fees.
Before credits & paid funds$191,886The complete starting cash picture.
Estimated remaining funds due at closing
$191,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,265.56
Your down payment$181,265.56
Closing costs + prepaids$10,620.76
Total buyer cash needed$191,886.33
Remaining funds due$191,886.33
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%)$3,679.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$933.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$335.00
Prepaid interest, first (27 days)$455.59
Fees + prepaids$10,620.76
Your down payment is the seller’s equity. You take over the $186,634 balance, so the rest of the $367,900 price is paid at closing. A second mortgage can cover part of it. $191,886.33 is due at closing. Uses and sources reconcile at $378,520.76 each. Not a Closing Disclosure.