Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$185,908Cash toward the purchase price.
Closing costs + prepaids$10,287Not just lender fees.
Before credits & paid funds$196,196The complete starting cash picture.
Estimated remaining funds due at closing
$196,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,908.06
Your down payment$185,908.06
Closing costs + prepaids$10,287.50
Total buyer cash needed$196,195.56
Remaining funds due$196,195.56
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$819.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.75
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$25.79
Fees + prepaids$10,287.50
Your down payment is the seller’s equity. You take over the $163,992 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $196,195.56 is due at closing. Uses and sources reconcile at $360,187.50 each. Not a Closing Disclosure.