Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$185,398Cash toward the purchase price.
Closing costs + prepaids$11,125Not just lender fees.
Before credits & paid funds$196,524The complete starting cash picture.
Estimated remaining funds due at closing
$196,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,398.26
Your down payment$185,398.26
Closing costs + prepaids$11,125.34
Total buyer cash needed$196,523.60
Remaining funds due$196,523.60
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,018.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$361.25
Prepaid interest, first (31 days)$638.08
Fees + prepaids$11,125.34
Your down payment is the seller’s equity. You take over the $203,602 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $196,523.60 is due at closing. Uses and sources reconcile at $400,125.34 each. Not a Closing Disclosure.