Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$220,414Cash toward the purchase price.
Closing costs + prepaids$10,249Not just lender fees.
Before credits & paid funds$230,663The complete starting cash picture.
Estimated remaining funds due at closing
$230,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,413.93
Your down payment$220,413.93
Closing costs + prepaids$10,248.58
Total buyer cash needed$230,662.51
Remaining funds due$230,662.51
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$642.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$568.75
Prepaid interest, first (24 days)$328.90
Fees + prepaids$10,248.58
Your down payment is the seller’s equity. You take over the $128,586 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $230,662.51 is due at closing. Uses and sources reconcile at $359,248.58 each. Not a Closing Disclosure.