Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$191,616Cash toward the purchase price.
Closing costs + prepaids$10,585Not just lender fees.
Before credits & paid funds$202,200The complete starting cash picture.
Estimated remaining funds due at closing
$202,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,615.96
Your down payment$191,615.96
Closing costs + prepaids$10,584.52
Total buyer cash needed$202,200.48
Remaining funds due$202,200.48
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%)$3,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$941.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.00
Initial HOA (3 months)$84.99
Prepaid interest, first (6 days)$83.61
Fees + prepaids$10,584.52
Your down payment is the seller’s equity. You take over the $188,384 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $202,200.48 is due at closing. Uses and sources reconcile at $390,584.52 each. Not a Closing Disclosure.