Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$173,868Cash toward the purchase price.
Closing costs + prepaids$11,313Not just lender fees.
Before credits & paid funds$185,181The complete starting cash picture.
Estimated remaining funds due at closing
$185,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,868.38
Your down payment$173,868.38
Closing costs + prepaids$11,312.91
Total buyer cash needed$185,181.29
Remaining funds due$185,181.29
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,030.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$764.50
Prepaid interest, first (30 days)$501.25
Fees + prepaids$11,312.91
Your down payment is the seller’s equity. You take over the $206,032 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $185,181.29 is due at closing. Uses and sources reconcile at $391,212.91 each. Not a Closing Disclosure.