Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$188,573Cash toward the purchase price.
Closing costs + prepaids$10,937Not just lender fees.
Before credits & paid funds$199,510The complete starting cash picture.
Estimated remaining funds due at closing
$199,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,572.63
Your down payment$188,572.63
Closing costs + prepaids$10,936.97
Total buyer cash needed$199,509.60
Remaining funds due$199,509.60
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%)$3,750.00
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)$450.00
Initial HOA (3 months)$381.00
Prepaid interest, first (10 days)$205.84
Fees + prepaids$10,936.97
Your down payment is the seller’s equity. You take over the $186,427 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $199,509.60 is due at closing. Uses and sources reconcile at $385,936.97 each. Not a Closing Disclosure.