Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$146,321Cash toward the purchase price.
Closing costs + prepaids$10,493Not just lender fees.
Before credits & paid funds$156,814The complete starting cash picture.
Estimated remaining funds due at closing
$156,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,321.16
Your down payment$146,321.16
Closing costs + prepaids$10,492.56
Total buyer cash needed$156,813.72
Remaining funds due$156,813.72
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,013.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$418.75
Initial HOA (3 months)$180.00
Prepaid interest, first (9 days)$172.42
Fees + prepaids$10,492.56
Your down payment is the seller’s equity. You take over the $202,679 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $156,813.72 is due at closing. Uses and sources reconcile at $359,492.56 each. Not a Closing Disclosure.