Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$208,748Cash toward the purchase price.
Closing costs + prepaids$10,474Not just lender fees.
Before credits & paid funds$219,222The complete starting cash picture.
Estimated remaining funds due at closing
$219,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,747.85
Your down payment$208,747.85
Closing costs + prepaids$10,473.98
Total buyer cash needed$219,221.83
Remaining funds due$219,221.83
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%)$3,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$846.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.00
Prepaid interest, first (20 days)$335.72
Fees + prepaids$10,473.98
Your down payment is the seller’s equity. You take over the $169,252 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $219,221.83 is due at closing. Uses and sources reconcile at $388,473.98 each. Not a Closing Disclosure.