Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$348,432Cash toward the purchase price.
Closing costs + prepaids$12,352Not just lender fees.
Before credits & paid funds$360,784The complete starting cash picture.
Estimated remaining funds due at closing
$360,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,431.61
Your down payment$348,431.61
Closing costs + prepaids$12,352.08
Total buyer cash needed$360,783.69
Remaining funds due$360,783.69
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%)$5,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,007.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (24 days)$376.39
Fees + prepaids$12,352.08
Your down payment is the seller’s equity. You take over the $201,558 balance, so the rest of the $549,990 price is paid at closing. A second mortgage can cover part of it. $360,783.69 is due at closing. Uses and sources reconcile at $562,342.08 each. Not a Closing Disclosure.