Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$215,286Cash toward the purchase price.
Closing costs + prepaids$10,143Not just lender fees.
Before credits & paid funds$225,429The complete starting cash picture.
Estimated remaining funds due at closing
$225,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,286.08
Your down payment$215,286.08
Closing costs + prepaids$10,143.22
Total buyer cash needed$225,429.30
Remaining funds due$225,429.30
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%)$673.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$512.25
Prepaid interest, first (23 days)$240.90
Fees + prepaids$10,143.22
Your down payment is the seller’s equity. You take over the $134,614 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $225,429.30 is due at closing. Uses and sources reconcile at $360,043.22 each. Not a Closing Disclosure.