Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$189,728Cash toward the purchase price.
Closing costs + prepaids$10,339Not just lender fees.
Before credits & paid funds$200,067The complete starting cash picture.
Estimated remaining funds due at closing
$200,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,728.27
Your down payment$189,728.27
Closing costs + prepaids$10,338.90
Total buyer cash needed$200,067.16
Remaining funds due$200,067.16
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%)$3,798.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$950.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$344.00
Prepaid interest, first (2 days)$28.54
Fees + prepaids$10,338.90
Your down payment is the seller’s equity. You take over the $190,072 balance, so the rest of the $379,800 price is paid at closing. A second mortgage can cover part of it. $200,067.16 is due at closing. Uses and sources reconcile at $390,138.90 each. Not a Closing Disclosure.