Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$209,388Cash toward the purchase price.
Closing costs + prepaids$10,188Not just lender fees.
Before credits & paid funds$219,576The complete starting cash picture.
Estimated remaining funds due at closing
$219,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,387.75
Your down payment$209,387.75
Closing costs + prepaids$10,188.28
Total buyer cash needed$219,576.03
Remaining funds due$219,576.03
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%)$3,445.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$675.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.50
Initial HOA (3 months)$225.00
Prepaid interest, first (9 days)$211.22
Fees + prepaids$10,188.28
Your down payment is the seller’s equity. You take over the $135,112 balance, so the rest of the $344,500 price is paid at closing. A second mortgage can cover part of it. $219,576.03 is due at closing. Uses and sources reconcile at $354,688.28 each. Not a Closing Disclosure.