Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$194,527Cash toward the purchase price.
Closing costs + prepaids$10,964Not just lender fees.
Before credits & paid funds$205,492The complete starting cash picture.
Estimated remaining funds due at closing
$205,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,527.19
Your down payment$194,527.19
Closing costs + prepaids$10,964.41
Total buyer cash needed$205,491.60
Remaining funds due$205,491.60
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$852.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.75
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$644.29
Fees + prepaids$10,964.41
Your down payment is the seller’s equity. You take over the $170,473 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $205,491.60 is due at closing. Uses and sources reconcile at $375,964.41 each. Not a Closing Disclosure.