Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$218,905Cash toward the purchase price.
Closing costs + prepaids$12,472Not just lender fees.
Before credits & paid funds$231,377The complete starting cash picture.
Estimated remaining funds due at closing
$231,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,905.50
Your down payment$218,905.50
Closing costs + prepaids$12,471.84
Total buyer cash needed$231,377.34
Remaining funds due$231,377.34
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%)$655.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,614.75
Initial HOA (3 months)$75.00
Prepaid interest, first (31 days)$408.62
Fees + prepaids$12,471.84
Your down payment is the seller’s equity. You take over the $131,095 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $231,377.34 is due at closing. Uses and sources reconcile at $362,471.84 each. Not a Closing Disclosure.