Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$201,019Cash toward the purchase price.
Closing costs + prepaids$10,876Not just lender fees.
Before credits & paid funds$211,894The complete starting cash picture.
Estimated remaining funds due at closing
$211,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,018.69
Your down payment$201,018.69
Closing costs + prepaids$10,875.61
Total buyer cash needed$211,894.29
Remaining funds due$211,894.29
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%)$3,860.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$924.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$463.25
Initial HOA (3 months)$264.00
Prepaid interest, first (10 days)$145.45
Fees + prepaids$10,875.61
Your down payment is the seller’s equity. You take over the $184,981 balance, so the rest of the $386,000 price is paid at closing. A second mortgage can cover part of it. $211,894.29 is due at closing. Uses and sources reconcile at $396,875.61 each. Not a Closing Disclosure.