Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$216,243Cash toward the purchase price.
Closing costs + prepaids$11,300Not just lender fees.
Before credits & paid funds$227,543The complete starting cash picture.
Estimated remaining funds due at closing
$227,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,243.49
Your down payment$216,243.49
Closing costs + prepaids$11,299.99
Total buyer cash needed$227,543.47
Remaining funds due$227,543.47
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$718.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,212.00
Prepaid interest, first (31 days)$552.70
Fees + prepaids$11,299.99
Your down payment is the seller’s equity. You take over the $143,657 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $227,543.47 is due at closing. Uses and sources reconcile at $371,199.99 each. Not a Closing Disclosure.