Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$183,841Cash toward the purchase price.
Closing costs + prepaids$11,543Not just lender fees.
Before credits & paid funds$195,384The complete starting cash picture.
Estimated remaining funds due at closing
$195,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,840.57
Your down payment$183,840.57
Closing costs + prepaids$11,542.93
Total buyer cash needed$195,383.51
Remaining funds due$195,383.51
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%)$1,030.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$669.75
Initial HOA (3 months)$396.00
Prepaid interest, first (18 days)$328.39
Fees + prepaids$11,542.93
Your down payment is the seller’s equity. You take over the $206,159 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $195,383.51 is due at closing. Uses and sources reconcile at $401,542.93 each. Not a Closing Disclosure.