Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$188,568Cash toward the purchase price.
Closing costs + prepaids$9,232Not just lender fees.
Before credits & paid funds$197,799The complete starting cash picture.
Estimated remaining funds due at closing
$197,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,567.76
Your down payment$188,567.76
Closing costs + prepaids$9,231.58
Total buyer cash needed$197,799.34
Remaining funds due$197,799.34
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%)$1,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$54.00
Initial HOA (3 months)$2,043.00
Prepaid interest, first (31 days)$9.42
Fees + prepaids$9,231.58
Your down payment is the seller’s equity. You take over the $1,432 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $197,799.34 is due at closing. Uses and sources reconcile at $199,231.58 each. Not a Closing Disclosure.