Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$187,469Cash toward the purchase price.
Closing costs + prepaids$10,778Not just lender fees.
Before credits & paid funds$198,246The complete starting cash picture.
Estimated remaining funds due at closing
$198,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,468.90
Your down payment$187,468.90
Closing costs + prepaids$10,777.56
Total buyer cash needed$198,246.46
Remaining funds due$198,246.46
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$807.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$398.00
Prepaid interest, first (27 days)$863.90
Fees + prepaids$10,777.56
Your down payment is the seller’s equity. You take over the $161,531 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $198,246.46 is due at closing. Uses and sources reconcile at $359,777.56 each. Not a Closing Disclosure.