Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$214,643Cash toward the purchase price.
Closing costs + prepaids$9,927Not just lender fees.
Before credits & paid funds$224,570The complete starting cash picture.
Estimated remaining funds due at closing
$224,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,643.47
Your down payment$214,643.47
Closing costs + prepaids$9,926.58
Total buyer cash needed$224,570.05
Remaining funds due$224,570.05
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%)$676.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$512.25
Prepaid interest, first (2 days)$21.05
Fees + prepaids$9,926.58
Your down payment is the seller’s equity. You take over the $135,257 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $224,570.05 is due at closing. Uses and sources reconcile at $359,826.58 each. Not a Closing Disclosure.