Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$223,991Cash toward the purchase price.
Closing costs + prepaids$10,469Not just lender fees.
Before credits & paid funds$234,460The complete starting cash picture.
Estimated remaining funds due at closing
$234,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,991.40
Your down payment$223,991.40
Closing costs + prepaids$10,468.88
Total buyer cash needed$234,460.28
Remaining funds due$234,460.28
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$679.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$731.50
Prepaid interest, first (28 days)$240.84
Fees + prepaids$10,468.88
Your down payment is the seller’s equity. You take over the $135,909 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $234,460.28 is due at closing. Uses and sources reconcile at $370,368.88 each. Not a Closing Disclosure.