Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$221,319Cash toward the purchase price.
Closing costs + prepaids$10,092Not just lender fees.
Before credits & paid funds$231,411The complete starting cash picture.
Estimated remaining funds due at closing
$231,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,319.48
Your down payment$221,319.48
Closing costs + prepaids$10,091.59
Total buyer cash needed$231,411.08
Remaining funds due$231,411.08
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%)$642.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$433.50
Initial HOA (3 months)$36.24
Prepaid interest, first (22 days)$261.95
Fees + prepaids$10,091.59
Your down payment is the seller’s equity. You take over the $128,581 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $231,411.08 is due at closing. Uses and sources reconcile at $359,991.59 each. Not a Closing Disclosure.