Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$188,410Cash toward the purchase price.
Closing costs + prepaids$15,248Not just lender fees.
Before credits & paid funds$203,657The complete starting cash picture.
Estimated remaining funds due at closing
$203,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,409.77
Your down payment$188,409.77
Closing costs + prepaids$15,247.59
Total buyer cash needed$203,657.35
Remaining funds due$203,657.35
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,757.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,690.00
Prepaid interest, first (30 days)$933.13
Fees + prepaids$15,247.59
Your down payment is the seller’s equity. You take over the $351,490 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $203,657.35 is due at closing. Uses and sources reconcile at $555,147.59 each. Not a Closing Disclosure.