Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$178,046Cash toward the purchase price.
Closing costs + prepaids$10,528Not just lender fees.
Before credits & paid funds$188,574The complete starting cash picture.
Estimated remaining funds due at closing
$188,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,045.78
Your down payment$178,045.78
Closing costs + prepaids$10,528.08
Total buyer cash needed$188,573.86
Remaining funds due$188,573.86
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$934.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.25
Prepaid interest, first (17 days)$269.06
Fees + prepaids$10,528.08
Your down payment is the seller’s equity. You take over the $186,954 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $188,573.86 is due at closing. Uses and sources reconcile at $375,528.08 each. Not a Closing Disclosure.