Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$162,478Cash toward the purchase price.
Closing costs + prepaids$11,160Not just lender fees.
Before credits & paid funds$173,638The complete starting cash picture.
Estimated remaining funds due at closing
$173,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,478.24
Your down payment$162,478.24
Closing costs + prepaids$11,159.91
Total buyer cash needed$173,638.15
Remaining funds due$173,638.15
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%)$937.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,151.50
Prepaid interest, first (23 days)$354.30
Fees + prepaids$11,159.91
Your down payment is the seller’s equity. You take over the $187,422 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $173,638.15 is due at closing. Uses and sources reconcile at $361,059.91 each. Not a Closing Disclosure.