Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$218,492Cash toward the purchase price.
Closing costs + prepaids$10,038Not just lender fees.
Before credits & paid funds$228,530The complete starting cash picture.
Estimated remaining funds due at closing
$228,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,491.95
Your down payment$218,491.95
Closing costs + prepaids$10,037.68
Total buyer cash needed$228,529.63
Remaining funds due$228,529.63
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%)$3,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$627.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$326.00
Prepaid interest, first (27 days)$426.14
Fees + prepaids$10,037.68
Your down payment is the seller’s equity. You take over the $125,508 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $228,529.63 is due at closing. Uses and sources reconcile at $354,037.68 each. Not a Closing Disclosure.