Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$177,557Cash toward the purchase price.
Closing costs + prepaids$10,777Not just lender fees.
Before credits & paid funds$188,334The complete starting cash picture.
Estimated remaining funds due at closing
$188,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,556.85
Your down payment$177,556.85
Closing costs + prepaids$10,777.31
Total buyer cash needed$188,334.16
Remaining funds due$188,334.16
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$861.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$668.25
Prepaid interest, first (26 days)$530.34
Fees + prepaids$10,777.31
Your down payment is the seller’s equity. You take over the $172,343 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $188,334.16 is due at closing. Uses and sources reconcile at $360,677.31 each. Not a Closing Disclosure.