Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$198,456Cash toward the purchase price.
Closing costs + prepaids$10,149Not just lender fees.
Before credits & paid funds$208,605The complete starting cash picture.
Estimated remaining funds due at closing
$208,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,455.88
Your down payment$198,455.88
Closing costs + prepaids$10,149.40
Total buyer cash needed$208,605.28
Remaining funds due$208,605.28
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%)$757.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Prepaid interest, first (10 days)$253.68
Fees + prepaids$10,149.40
Your down payment is the seller’s equity. You take over the $151,544 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $208,605.28 is due at closing. Uses and sources reconcile at $360,149.40 each. Not a Closing Disclosure.