Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$196,528Cash toward the purchase price.
Closing costs + prepaids$11,234Not just lender fees.
Before credits & paid funds$207,762The complete starting cash picture.
Estimated remaining funds due at closing
$207,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,527.91
Your down payment$196,527.91
Closing costs + prepaids$11,233.81
Total buyer cash needed$207,761.72
Remaining funds due$207,761.72
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$866.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$912.50
Prepaid interest, first (31 days)$537.45
Fees + prepaids$11,233.81
Your down payment is the seller’s equity. You take over the $173,372 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $207,761.72 is due at closing. Uses and sources reconcile at $381,133.81 each. Not a Closing Disclosure.