Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$171,763Cash toward the purchase price.
Closing costs + prepaids$10,728Not just lender fees.
Before credits & paid funds$182,491The complete starting cash picture.
Estimated remaining funds due at closing
$182,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,762.80
Your down payment$171,762.80
Closing costs + prepaids$10,727.77
Total buyer cash needed$182,490.57
Remaining funds due$182,490.57
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%)$886.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$777.25
Initial HOA (3 months)$42.99
Prepaid interest, first (27 days)$313.35
Fees + prepaids$10,727.77
Your down payment is the seller’s equity. You take over the $177,237 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $182,490.57 is due at closing. Uses and sources reconcile at $359,727.77 each. Not a Closing Disclosure.