Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,718Cash toward the purchase price.
Closing costs + prepaids$10,762Not just lender fees.
Before credits & paid funds$155,480The complete starting cash picture.
Estimated remaining funds due at closing
$155,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,718.10
Your down payment$144,718.10
Closing costs + prepaids$10,761.53
Total buyer cash needed$155,479.63
Remaining funds due$155,479.63
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%)$1,025.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$567.00
Prepaid interest, first (26 days)$451.63
Fees + prepaids$10,761.53
Your down payment is the seller’s equity. You take over the $205,182 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $155,479.63 is due at closing. Uses and sources reconcile at $360,661.53 each. Not a Closing Disclosure.