Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$229,651Cash toward the purchase price.
Closing costs + prepaids$10,729Not just lender fees.
Before credits & paid funds$240,381The complete starting cash picture.
Estimated remaining funds due at closing
$240,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,651.41
Your down payment$229,651.41
Closing costs + prepaids$10,729.38
Total buyer cash needed$240,380.79
Remaining funds due$240,380.79
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$626.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$887.50
Prepaid interest, first (31 days)$447.13
Fees + prepaids$10,729.38
Your down payment is the seller’s equity. You take over the $125,349 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $240,380.79 is due at closing. Uses and sources reconcile at $365,729.38 each. Not a Closing Disclosure.