Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$187,821Cash toward the purchase price.
Closing costs + prepaids$10,834Not just lender fees.
Before credits & paid funds$198,655The complete starting cash picture.
Estimated remaining funds due at closing
$198,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,820.69
Your down payment$187,820.69
Closing costs + prepaids$10,833.97
Total buyer cash needed$198,654.67
Remaining funds due$198,654.67
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,010.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.00
Prepaid interest, first (10 days)$237.08
Fees + prepaids$10,833.97
Your down payment is the seller’s equity. You take over the $202,179 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $198,654.67 is due at closing. Uses and sources reconcile at $400,833.97 each. Not a Closing Disclosure.