Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$202,602Cash toward the purchase price.
Closing costs + prepaids$10,049Not just lender fees.
Before credits & paid funds$212,651The complete starting cash picture.
Estimated remaining funds due at closing
$212,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,602.37
Your down payment$202,602.37
Closing costs + prepaids$10,048.58
Total buyer cash needed$212,650.95
Remaining funds due$212,650.95
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%)$3,565.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$769.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$68.75
Initial HOA (3 months)$144.00
Prepaid interest, first (24 days)$283.34
Fees + prepaids$10,048.58
Your down payment is the seller’s equity. You take over the $153,898 balance, so the rest of the $356,500 price is paid at closing. A second mortgage can cover part of it. $212,650.95 is due at closing. Uses and sources reconcile at $366,548.58 each. Not a Closing Disclosure.