Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$198,573Cash toward the purchase price.
Closing costs + prepaids$11,541Not just lender fees.
Before credits & paid funds$210,114The complete starting cash picture.
Estimated remaining funds due at closing
$210,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,572.63
Your down payment$198,572.63
Closing costs + prepaids$11,541.23
Total buyer cash needed$210,113.86
Remaining funds due$210,113.86
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$932.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.00
Initial HOA (3 months)$381.00
Prepaid interest, first (31 days)$638.09
Fees + prepaids$11,541.23
Your down payment is the seller’s equity. You take over the $186,427 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $210,113.86 is due at closing. Uses and sources reconcile at $396,541.23 each. Not a Closing Disclosure.