Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$186,299Cash toward the purchase price.
Closing costs + prepaids$10,659Not just lender fees.
Before credits & paid funds$196,957The complete starting cash picture.
Estimated remaining funds due at closing
$196,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,298.71
Your down payment$186,298.71
Closing costs + prepaids$10,658.54
Total buyer cash needed$196,957.25
Remaining funds due$196,957.25
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%)$818.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.75
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$398.78
Fees + prepaids$10,658.54
Your down payment is the seller’s equity. You take over the $163,601 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $196,957.25 is due at closing. Uses and sources reconcile at $360,558.54 each. Not a Closing Disclosure.