Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$221,319Cash toward the purchase price.
Closing costs + prepaids$10,187Not just lender fees.
Before credits & paid funds$231,506The complete starting cash picture.
Estimated remaining funds due at closing
$231,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,319.48
Your down payment$221,319.48
Closing costs + prepaids$10,186.85
Total buyer cash needed$231,506.33
Remaining funds due$231,506.33
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%)$642.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$433.50
Initial HOA (3 months)$36.24
Prepaid interest, first (30 days)$357.21
Fees + prepaids$10,186.85
Your down payment is the seller’s equity. You take over the $128,581 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $231,506.33 is due at closing. Uses and sources reconcile at $360,086.85 each. Not a Closing Disclosure.