Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$203,028Cash toward the purchase price.
Closing costs + prepaids$10,124Not just lender fees.
Before credits & paid funds$213,152The complete starting cash picture.
Estimated remaining funds due at closing
$213,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,028.33
Your down payment$203,028.33
Closing costs + prepaids$10,124.05
Total buyer cash needed$213,152.38
Remaining funds due$213,152.38
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$734.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Initial HOA (3 months)$156.00
Prepaid interest, first (9 days)$96.69
Fees + prepaids$10,124.05
Your down payment is the seller’s equity. You take over the $146,872 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $213,152.38 is due at closing. Uses and sources reconcile at $360,024.05 each. Not a Closing Disclosure.