Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$203,028Cash toward the purchase price.
Closing costs + prepaids$10,396Not just lender fees.
Before credits & paid funds$213,425The complete starting cash picture.
Estimated remaining funds due at closing
$213,425No 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$10,396.25
Total buyer cash needed$213,424.57
Remaining funds due$213,424.57
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)$595.50
Initial HOA (3 months)$156.00
Prepaid interest, first (18 days)$193.39
Fees + prepaids$10,396.25
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. $213,424.57 is due at closing. Uses and sources reconcile at $360,296.25 each. Not a Closing Disclosure.