Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$190,018Cash toward the purchase price.
Closing costs + prepaids$10,703Not just lender fees.
Before credits & paid funds$200,721The complete starting cash picture.
Estimated remaining funds due at closing
$200,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,017.78
Your down payment$190,017.78
Closing costs + prepaids$10,703.06
Total buyer cash needed$200,720.84
Remaining funds due$200,720.84
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%)$3,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$949.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.00
Prepaid interest, first (17 days)$260.15
Fees + prepaids$10,703.06
Your down payment is the seller’s equity. You take over the $189,982 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $200,720.84 is due at closing. Uses and sources reconcile at $390,703.06 each. Not a Closing Disclosure.