Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$229,207Cash toward the purchase price.
Closing costs + prepaids$9,971Not just lender fees.
Before credits & paid funds$239,178The complete starting cash picture.
Estimated remaining funds due at closing
$239,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,207.12
Your down payment$229,207.12
Closing costs + prepaids$9,970.95
Total buyer cash needed$239,178.07
Remaining funds due$239,178.07
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%)$603.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$195.75
Prepaid interest, first (24 days)$454.73
Fees + prepaids$9,970.95
Your down payment is the seller’s equity. You take over the $120,693 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $239,178.07 is due at closing. Uses and sources reconcile at $359,870.95 each. Not a Closing Disclosure.