Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$184,482Cash toward the purchase price.
Closing costs + prepaids$11,421Not just lender fees.
Before credits & paid funds$195,903The complete starting cash picture.
Estimated remaining funds due at closing
$195,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,481.75
Your down payment$184,481.75
Closing costs + prepaids$11,420.84
Total buyer cash needed$195,902.59
Remaining funds due$195,902.59
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,052.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$565.50
Initial HOA (3 months)$276.00
Prepaid interest, first (20 days)$358.75
Fees + prepaids$11,420.84
Your down payment is the seller’s equity. You take over the $210,518 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $195,902.59 is due at closing. Uses and sources reconcile at $406,420.84 each. Not a Closing Disclosure.