Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$199,631Cash toward the purchase price.
Closing costs + prepaids$10,534Not just lender fees.
Before credits & paid funds$210,165The complete starting cash picture.
Estimated remaining funds due at closing
$210,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,631.32
Your down payment$199,631.32
Closing costs + prepaids$10,533.55
Total buyer cash needed$210,164.86
Remaining funds due$210,164.86
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$751.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$686.75
Prepaid interest, first (25 days)$376.95
Fees + prepaids$10,533.55
Your down payment is the seller’s equity. You take over the $150,369 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $210,164.86 is due at closing. Uses and sources reconcile at $360,533.55 each. Not a Closing Disclosure.