Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$185,332Cash toward the purchase price.
Closing costs + prepaids$10,626Not just lender fees.
Before credits & paid funds$195,958The complete starting cash picture.
Estimated remaining funds due at closing
$195,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,331.64
Your down payment$185,331.64
Closing costs + prepaids$10,625.97
Total buyer cash needed$195,957.61
Remaining funds due$195,957.61
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$898.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.75
Initial HOA (3 months)$39.00
Prepaid interest, first (30 days)$451.88
Fees + prepaids$10,625.97
Your down payment is the seller’s equity. You take over the $179,668 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $195,957.61 is due at closing. Uses and sources reconcile at $375,625.97 each. Not a Closing Disclosure.