Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$196,745Cash toward the purchase price.
Closing costs + prepaids$11,063Not just lender fees.
Before credits & paid funds$207,808The complete starting cash picture.
Estimated remaining funds due at closing
$207,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,745.30
Your down payment$196,745.30
Closing costs + prepaids$11,063.16
Total buyer cash needed$207,808.46
Remaining funds due$207,808.46
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%)$3,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$981.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$491.25
Initial HOA (3 months)$134.01
Prepaid interest, first (14 days)$308.63
Fees + prepaids$11,063.16
Your down payment is the seller’s equity. You take over the $196,255 balance, so the rest of the $393,000 price is paid at closing. A second mortgage can cover part of it. $207,808.46 is due at closing. Uses and sources reconcile at $404,063.16 each. Not a Closing Disclosure.