Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$176,886Cash toward the purchase price.
Closing costs + prepaids$10,706Not just lender fees.
Before credits & paid funds$187,592The complete starting cash picture.
Estimated remaining funds due at closing
$187,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,886.00
Your down payment$176,886.00
Closing costs + prepaids$10,705.83
Total buyer cash needed$187,591.83
Remaining funds due$187,591.83
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%)$3,799.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,015.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$194.00
Prepaid interest, first (30 days)$479.01
Fees + prepaids$10,705.83
Your down payment is the seller’s equity. You take over the $203,064 balance, so the rest of the $379,950 price is paid at closing. A second mortgage can cover part of it. $187,591.83 is due at closing. Uses and sources reconcile at $390,655.83 each. Not a Closing Disclosure.