Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$184,688Cash toward the purchase price.
Closing costs + prepaids$12,618Not just lender fees.
Before credits & paid funds$197,307The complete starting cash picture.
Estimated remaining funds due at closing
$197,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,688.25
Your down payment$184,688.25
Closing costs + prepaids$12,618.34
Total buyer cash needed$197,306.59
Remaining funds due$197,306.59
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%)$3,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$801.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$547.50
Initial HOA (3 months)$1,950.00
Prepaid interest, first (22 days)$652.79
Fees + prepaids$12,618.34
Your down payment is the seller’s equity. You take over the $160,212 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $197,306.59 is due at closing. Uses and sources reconcile at $357,518.34 each. Not a Closing Disclosure.