Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$183,485Cash toward the purchase price.
Closing costs + prepaids$11,001Not just lender fees.
Before credits & paid funds$194,487The complete starting cash picture.
Estimated remaining funds due at closing
$194,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,485.37
Your down payment$183,485.37
Closing costs + prepaids$11,001.39
Total buyer cash needed$194,486.76
Remaining funds due$194,486.76
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$977.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$427.00
Initial HOA (3 months)$201.00
Prepaid interest, first (20 days)$387.82
Fees + prepaids$11,001.39
Your down payment is the seller’s equity. You take over the $195,515 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $194,486.76 is due at closing. Uses and sources reconcile at $390,001.39 each. Not a Closing Disclosure.