Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$207,656Cash toward the purchase price.
Closing costs + prepaids$10,502Not just lender fees.
Before credits & paid funds$218,158The complete starting cash picture.
Estimated remaining funds due at closing
$218,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,655.89
Your down payment$207,655.89
Closing costs + prepaids$10,502.22
Total buyer cash needed$218,158.11
Remaining funds due$218,158.11
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$736.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$600.75
Initial HOA (3 months)$69.00
Prepaid interest, first (23 days)$327.75
Fees + prepaids$10,502.22
Your down payment is the seller’s equity. You take over the $147,344 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $218,158.11 is due at closing. Uses and sources reconcile at $365,502.22 each. Not a Closing Disclosure.