Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$214,526Cash toward the purchase price.
Closing costs + prepaids$10,292Not just lender fees.
Before credits & paid funds$224,818The complete starting cash picture.
Estimated remaining funds due at closing
$224,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,525.77
Your down payment$214,525.77
Closing costs + prepaids$10,292.21
Total buyer cash needed$224,817.98
Remaining funds due$224,817.98
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%)$3,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$662.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$527.00
Initial HOA (3 months)$50.01
Prepaid interest, first (28 days)$364.83
Fees + prepaids$10,292.21
Your down payment is the seller’s equity. You take over the $132,474 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $224,817.98 is due at closing. Uses and sources reconcile at $357,292.21 each. Not a Closing Disclosure.