Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$190,475Cash toward the purchase price.
Closing costs + prepaids$10,611Not just lender fees.
Before credits & paid funds$201,087The complete starting cash picture.
Estimated remaining funds due at closing
$201,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,475.20
Your down payment$190,475.20
Closing costs + prepaids$10,611.48
Total buyer cash needed$201,086.68
Remaining funds due$201,086.68
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%)$3,489.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$792.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$573.75
Initial HOA (3 months)$30.00
Prepaid interest, first (27 days)$508.61
Fees + prepaids$10,611.48
Your down payment is the seller’s equity. You take over the $158,425 balance, so the rest of the $348,900 price is paid at closing. A second mortgage can cover part of it. $201,086.68 is due at closing. Uses and sources reconcile at $359,511.48 each. Not a Closing Disclosure.