Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$214,630Cash toward the purchase price.
Closing costs + prepaids$10,856Not just lender fees.
Before credits & paid funds$225,486The complete starting cash picture.
Estimated remaining funds due at closing
$225,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,629.67
Your down payment$214,629.67
Closing costs + prepaids$10,855.96
Total buyer cash needed$225,485.63
Remaining funds due$225,485.63
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$871.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$501.00
Prepaid interest, first (26 days)$375.11
Fees + prepaids$10,855.96
Your down payment is the seller’s equity. You take over the $174,370 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $225,485.63 is due at closing. Uses and sources reconcile at $399,855.96 each. Not a Closing Disclosure.