Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$181,776Cash toward the purchase price.
Closing costs + prepaids$10,983Not just lender fees.
Before credits & paid funds$192,759The complete starting cash picture.
Estimated remaining funds due at closing
$192,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,775.86
Your down payment$181,775.86
Closing costs + prepaids$10,983.43
Total buyer cash needed$192,759.29
Remaining funds due$192,759.29
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,041.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$487.50
Prepaid interest, first (16 days)$336.81
Fees + prepaids$10,983.43
Your down payment is the seller’s equity. You take over the $208,224 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $192,759.29 is due at closing. Uses and sources reconcile at $400,983.43 each. Not a Closing Disclosure.