Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$198,265Cash toward the purchase price.
Closing costs + prepaids$11,629Not just lender fees.
Before credits & paid funds$209,894The complete starting cash picture.
Estimated remaining funds due at closing
$209,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,265.23
Your down payment$198,265.23
Closing costs + prepaids$11,628.85
Total buyer cash needed$209,894.07
Remaining funds due$209,894.07
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%)$833.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$410.75
Initial HOA (3 months)$1,110.00
Prepaid interest, first (31 days)$406.42
Fees + prepaids$11,628.85
Your down payment is the seller’s equity. You take over the $166,735 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $209,894.07 is due at closing. Uses and sources reconcile at $376,628.85 each. Not a Closing Disclosure.