Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$232,897Cash toward the purchase price.
Closing costs + prepaids$11,012Not just lender fees.
Before credits & paid funds$243,909The complete starting cash picture.
Estimated remaining funds due at closing
$243,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,897.20
Your down payment$232,897.20
Closing costs + prepaids$11,011.77
Total buyer cash needed$243,908.97
Remaining funds due$243,908.97
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%)$3,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$585.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$817.75
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$635.53
Fees + prepaids$11,011.77
Your down payment is the seller’s equity. You take over the $117,102 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $243,908.97 is due at closing. Uses and sources reconcile at $361,010.77 each. Not a Closing Disclosure.