Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$161,003Cash toward the purchase price.
Closing costs + prepaids$11,260Not just lender fees.
Before credits & paid funds$172,263The complete starting cash picture.
Estimated remaining funds due at closing
$172,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,003.31
Your down payment$161,003.31
Closing costs + prepaids$11,259.73
Total buyer cash needed$172,263.04
Remaining funds due$172,263.04
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%)$3,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$942.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,029.00
Initial HOA (3 months)$165.00
Prepaid interest, first (24 days)$410.25
Fees + prepaids$11,259.73
Your down payment is the seller’s equity. You take over the $188,497 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $172,263.04 is due at closing. Uses and sources reconcile at $360,759.73 each. Not a Closing Disclosure.