Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$175,906Cash toward the purchase price.
Closing costs + prepaids$11,162Not just lender fees.
Before credits & paid funds$187,069The complete starting cash picture.
Estimated remaining funds due at closing
$187,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,906.42
Your down payment$175,906.42
Closing costs + prepaids$11,162.48
Total buyer cash needed$187,068.90
Remaining funds due$187,068.90
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$994.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$751.50
Prepaid interest, first (29 days)$449.02
Fees + prepaids$11,162.48
Your down payment is the seller’s equity. You take over the $198,994 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $187,068.90 is due at closing. Uses and sources reconcile at $386,062.48 each. Not a Closing Disclosure.