Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$208,084Cash toward the purchase price.
Closing costs + prepaids$10,385Not just lender fees.
Before credits & paid funds$218,469The complete starting cash picture.
Estimated remaining funds due at closing
$218,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,084.06
Your down payment$208,084.06
Closing costs + prepaids$10,384.77
Total buyer cash needed$218,468.83
Remaining funds due$218,468.83
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$709.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.50
Initial HOA (3 months)$198.00
Prepaid interest, first (31 days)$338.69
Fees + prepaids$10,384.77
Your down payment is the seller’s equity. You take over the $141,916 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $218,468.83 is due at closing. Uses and sources reconcile at $360,384.77 each. Not a Closing Disclosure.