Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$216,398Cash toward the purchase price.
Closing costs + prepaids$10,080Not just lender fees.
Before credits & paid funds$226,478The complete starting cash picture.
Estimated remaining funds due at closing
$226,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,397.78
Your down payment$216,397.78
Closing costs + prepaids$10,080.30
Total buyer cash needed$226,478.08
Remaining funds due$226,478.08
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%)$3,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$738.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$47.25
Initial HOA (3 months)$37.50
Prepaid interest, first (26 days)$399.54
Fees + prepaids$10,080.30
Your down payment is the seller’s equity. You take over the $147,602 balance, so the rest of the $364,000 price is paid at closing. A second mortgage can cover part of it. $226,478.08 is due at closing. Uses and sources reconcile at $374,080.30 each. Not a Closing Disclosure.