Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$191,742Cash toward the purchase price.
Closing costs + prepaids$10,324Not just lender fees.
Before credits & paid funds$202,066The complete starting cash picture.
Estimated remaining funds due at closing
$202,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,741.67
Your down payment$191,741.67
Closing costs + prepaids$10,324.00
Total buyer cash needed$202,065.68
Remaining funds due$202,065.68
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%)$3,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$881.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (30 days)$544.71
Fees + prepaids$10,324.00
Your down payment is the seller’s equity. You take over the $176,258 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $202,065.68 is due at closing. Uses and sources reconcile at $378,324.00 each. Not a Closing Disclosure.