Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$188,568Cash toward the purchase price.
Closing costs + prepaids$9,229Not just lender fees.
Before credits & paid funds$197,796The complete starting cash picture.
Estimated remaining funds due at closing
$197,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,567.76
Your down payment$188,567.76
Closing costs + prepaids$9,228.54
Total buyer cash needed$197,796.30
Remaining funds due$197,796.30
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%)$1,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$54.00
Initial HOA (3 months)$2,043.00
Prepaid interest, first (21 days)$6.38
Fees + prepaids$9,228.54
Your down payment is the seller’s equity. You take over the $1,432 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $197,796.30 is due at closing. Uses and sources reconcile at $199,228.54 each. Not a Closing Disclosure.