Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$201,259Cash toward the purchase price.
Closing costs + prepaids$10,718Not just lender fees.
Before credits & paid funds$211,977The complete starting cash picture.
Estimated remaining funds due at closing
$211,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,259.25
Your down payment$201,259.25
Closing costs + prepaids$10,717.60
Total buyer cash needed$211,976.85
Remaining funds due$211,976.85
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$938.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$466.75
Prepaid interest, first (9 days)$204.15
Fees + prepaids$10,717.60
Your down payment is the seller’s equity. You take over the $187,741 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $211,976.85 is due at closing. Uses and sources reconcile at $399,717.60 each. Not a Closing Disclosure.