Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$195,981Cash toward the purchase price.
Closing costs + prepaids$10,442Not just lender fees.
Before credits & paid funds$206,424The complete starting cash picture.
Estimated remaining funds due at closing
$206,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,981.47
Your down payment$195,981.47
Closing costs + prepaids$10,442.20
Total buyer cash needed$206,423.67
Remaining funds due$206,423.67
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$770.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$398.25
Initial HOA (3 months)$123.00
Prepaid interest, first (23 days)$432.86
Fees + prepaids$10,442.20
Your down payment is the seller’s equity. You take over the $154,019 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $206,423.67 is due at closing. Uses and sources reconcile at $360,442.20 each. Not a Closing Disclosure.