Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$185,085Cash toward the purchase price.
Closing costs + prepaids$10,847Not just lender fees.
Before credits & paid funds$195,932The complete starting cash picture.
Estimated remaining funds due at closing
$195,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,085.24
Your down payment$185,085.24
Closing costs + prepaids$10,846.95
Total buyer cash needed$195,932.19
Remaining funds due$195,932.19
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$974.07
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 (16 days)$380.88
Fees + prepaids$10,846.95
Your down payment is the seller’s equity. You take over the $194,815 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $195,932.19 is due at closing. Uses and sources reconcile at $390,746.95 each. Not a Closing Disclosure.