Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$200,560Cash toward the purchase price.
Closing costs + prepaids$10,822Not just lender fees.
Before credits & paid funds$211,382The complete starting cash picture.
Estimated remaining funds due at closing
$211,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,559.96
Your down payment$200,559.96
Closing costs + prepaids$10,821.57
Total buyer cash needed$211,381.53
Remaining funds due$211,381.53
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%)$742.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$337.50
Initial HOA (3 months)$551.01
Prepaid interest, first (31 days)$482.86
Fees + prepaids$10,821.57
Your down payment is the seller’s equity. You take over the $148,440 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $211,381.53 is due at closing. Uses and sources reconcile at $359,821.57 each. Not a Closing Disclosure.