Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$168,244Cash toward the purchase price.
Closing costs + prepaids$11,016Not just lender fees.
Before credits & paid funds$179,260The complete starting cash picture.
Estimated remaining funds due at closing
$179,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,243.85
Your down payment$168,243.85
Closing costs + prepaids$11,015.68
Total buyer cash needed$179,259.53
Remaining funds due$179,259.53
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,103.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$486.25
Initial HOA (3 months)$105.00
Prepaid interest, first (12 days)$212.65
Fees + prepaids$11,015.68
Your down payment is the seller’s equity. You take over the $220,756 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $179,259.53 is due at closing. Uses and sources reconcile at $400,015.68 each. Not a Closing Disclosure.