Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$187,821Cash toward the purchase price.
Closing costs + prepaids$11,057Not just lender fees.
Before credits & paid funds$198,877The complete starting cash picture.
Estimated remaining funds due at closing
$198,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,820.69
Your down payment$187,820.69
Closing costs + prepaids$11,056.55
Total buyer cash needed$198,877.24
Remaining funds due$198,877.24
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,010.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$453.50
Prepaid interest, first (20 days)$474.15
Fees + prepaids$11,056.55
Your down payment is the seller’s equity. You take over the $202,179 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $198,877.24 is due at closing. Uses and sources reconcile at $401,056.55 each. Not a Closing Disclosure.