Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$191,214Cash toward the purchase price.
Closing costs + prepaids$10,416Not just lender fees.
Before credits & paid funds$201,630The complete starting cash picture.
Estimated remaining funds due at closing
$201,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,214.35
Your down payment$191,214.35
Closing costs + prepaids$10,416.02
Total buyer cash needed$201,630.37
Remaining funds due$201,630.37
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$838.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$430.75
Initial HOA (3 months)$174.51
Prepaid interest, first (9 days)$163.83
Fees + prepaids$10,416.02
Your down payment is the seller’s equity. You take over the $167,786 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $201,630.37 is due at closing. Uses and sources reconcile at $369,416.02 each. Not a Closing Disclosure.