Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$220,872Cash toward the purchase price.
Closing costs + prepaids$10,100Not just lender fees.
Before credits & paid funds$230,973The complete starting cash picture.
Estimated remaining funds due at closing
$230,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,872.50
Your down payment$220,872.50
Closing costs + prepaids$10,100.18
Total buyer cash needed$230,972.68
Remaining funds due$230,972.68
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%)$645.14
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)$268.31
Fees + prepaids$10,100.18
Your down payment is the seller’s equity. You take over the $129,028 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $230,972.68 is due at closing. Uses and sources reconcile at $360,000.18 each. Not a Closing Disclosure.