Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$201,259Cash toward the purchase price.
Closing costs + prepaids$10,746Not just lender fees.
Before credits & paid funds$212,005The complete starting cash picture.
Estimated remaining funds due at closing
$212,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,259.25
Your down payment$201,259.25
Closing costs + prepaids$10,745.87
Total buyer cash needed$212,005.12
Remaining funds due$212,005.12
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$938.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$245.50
Prepaid interest, first (20 days)$453.66
Fees + prepaids$10,745.87
Your down payment is the seller’s equity. You take over the $187,741 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $212,005.12 is due at closing. Uses and sources reconcile at $399,745.87 each. Not a Closing Disclosure.