Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$177,115Cash toward the purchase price.
Closing costs + prepaids$10,978Not just lender fees.
Before credits & paid funds$188,092The complete starting cash picture.
Estimated remaining funds due at closing
$188,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,114.69
Your down payment$177,114.69
Closing costs + prepaids$10,977.58
Total buyer cash needed$188,092.27
Remaining funds due$188,092.27
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%)$1,059.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.75
Prepaid interest, first (30 days)$482.40
Fees + prepaids$10,977.58
Your down payment is the seller’s equity. You take over the $211,885 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $188,092.27 is due at closing. Uses and sources reconcile at $399,977.58 each. Not a Closing Disclosure.