Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$198,431Cash toward the purchase price.
Closing costs + prepaids$11,308Not just lender fees.
Before credits & paid funds$209,739The complete starting cash picture.
Estimated remaining funds due at closing
$209,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,430.70
Your down payment$198,430.70
Closing costs + prepaids$11,308.46
Total buyer cash needed$209,739.15
Remaining funds due$209,739.15
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%)$3,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$872.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$932.50
Initial HOA (3 months)$234.00
Prepaid interest, first (18 days)$321.11
Fees + prepaids$11,308.46
Your down payment is the seller’s equity. You take over the $174,569 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $209,739.15 is due at closing. Uses and sources reconcile at $384,308.46 each. Not a Closing Disclosure.