Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$222,745Cash toward the purchase price.
Closing costs + prepaids$12,918Not just lender fees.
Before credits & paid funds$235,663The complete starting cash picture.
Estimated remaining funds due at closing
$235,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,744.94
Your down payment$222,744.94
Closing costs + prepaids$12,917.66
Total buyer cash needed$235,662.60
Remaining funds due$235,662.60
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$631.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,180.75
Initial HOA (3 months)$1,995.00
Prepaid interest, first (30 days)$402.63
Fees + prepaids$12,917.66
Your down payment is the seller’s equity. You take over the $126,255 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $235,662.60 is due at closing. Uses and sources reconcile at $361,917.66 each. Not a Closing Disclosure.