Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$199,810Cash toward the purchase price.
Closing costs + prepaids$10,398Not just lender fees.
Before credits & paid funds$210,208The complete starting cash picture.
Estimated remaining funds due at closing
$210,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,810.18
Your down payment$199,810.18
Closing costs + prepaids$10,398.17
Total buyer cash needed$210,208.35
Remaining funds due$210,208.35
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%)$3,610.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$805.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$451.25
Initial HOA (3 months)$86.25
Prepaid interest, first (17 days)$226.73
Fees + prepaids$10,398.17
Your down payment is the seller’s equity. You take over the $161,190 balance, so the rest of the $361,000 price is paid at closing. A second mortgage can cover part of it. $210,208.35 is due at closing. Uses and sources reconcile at $371,398.17 each. Not a Closing Disclosure.