Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$186,501Cash toward the purchase price.
Closing costs + prepaids$8,305Not just lender fees.
Before credits & paid funds$194,806The complete starting cash picture.
Estimated remaining funds due at closing
$194,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,501.24
Your down payment$186,501.24
Closing costs + prepaids$8,305.10
Total buyer cash needed$194,806.34
Remaining funds due$194,806.34
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$266.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$266.00
Prepaid interest, first (31 days)$155.11
Fees + prepaids$8,305.10
Your down payment is the seller’s equity. You take over the $53,399 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $194,806.34 is due at closing. Uses and sources reconcile at $248,205.10 each. Not a Closing Disclosure.