Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$215,794Cash toward the purchase price.
Closing costs + prepaids$10,884Not just lender fees.
Before credits & paid funds$226,678The complete starting cash picture.
Estimated remaining funds due at closing
$226,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,794.18
Your down payment$215,794.18
Closing costs + prepaids$10,883.93
Total buyer cash needed$226,678.11
Remaining funds due$226,678.11
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$896.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$493.75
Prepaid interest, first (13 days)$326.15
Fees + prepaids$10,883.93
Your down payment is the seller’s equity. You take over the $179,206 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $226,678.11 is due at closing. Uses and sources reconcile at $405,883.93 each. Not a Closing Disclosure.