Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$214,548Cash toward the purchase price.
Closing costs + prepaids$10,367Not just lender fees.
Before credits & paid funds$224,915The complete starting cash picture.
Estimated remaining funds due at closing
$224,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,547.98
Your down payment$214,547.98
Closing costs + prepaids$10,366.65
Total buyer cash needed$224,914.63
Remaining funds due$224,914.63
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%)$826.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$139.50
Prepaid interest, first (31 days)$383.39
Fees + prepaids$10,366.65
Your down payment is the seller’s equity. You take over the $165,352 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $224,914.63 is due at closing. Uses and sources reconcile at $390,266.65 each. Not a Closing Disclosure.