Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$198,278Cash toward the purchase price.
Closing costs + prepaids$10,558Not just lender fees.
Before credits & paid funds$208,836The complete starting cash picture.
Estimated remaining funds due at closing
$208,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,278.04
Your down payment$198,278.04
Closing costs + prepaids$10,557.58
Total buyer cash needed$208,835.63
Remaining funds due$208,835.63
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$808.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.00
Prepaid interest, first (16 days)$482.47
Fees + prepaids$10,557.58
Your down payment is the seller’s equity. You take over the $161,622 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $208,835.63 is due at closing. Uses and sources reconcile at $370,457.58 each. Not a Closing Disclosure.