Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$185,265Cash toward the purchase price.
Closing costs + prepaids$10,349Not just lender fees.
Before credits & paid funds$195,614The complete starting cash picture.
Estimated remaining funds due at closing
$195,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,265.46
Your down payment$185,265.46
Closing costs + prepaids$10,348.97
Total buyer cash needed$195,614.43
Remaining funds due$195,614.43
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$968.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$352.50
Prepaid interest, first (1 days)$19.80
Fees + prepaids$10,348.97
Your down payment is the seller’s equity. You take over the $193,735 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $195,614.43 is due at closing. Uses and sources reconcile at $389,348.97 each. Not a Closing Disclosure.