Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$198,602Cash toward the purchase price.
Closing costs + prepaids$10,133Not just lender fees.
Before credits & paid funds$208,735The complete starting cash picture.
Estimated remaining funds due at closing
$208,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,602.27
Your down payment$198,602.27
Closing costs + prepaids$10,132.50
Total buyer cash needed$208,734.77
Remaining funds due$208,734.77
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%)$3,489.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$751.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$240.50
Prepaid interest, first (28 days)$433.52
Fees + prepaids$10,132.50
Your down payment is the seller’s equity. You take over the $150,298 balance, so the rest of the $348,900 price is paid at closing. A second mortgage can cover part of it. $208,734.77 is due at closing. Uses and sources reconcile at $359,032.50 each. Not a Closing Disclosure.