Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$237,802Cash toward the purchase price.
Closing costs + prepaids$10,044Not just lender fees.
Before credits & paid funds$247,846The complete starting cash picture.
Estimated remaining funds due at closing
$247,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,802.00
Your down payment$237,802.00
Closing costs + prepaids$10,043.61
Total buyer cash needed$247,845.61
Remaining funds due$247,845.61
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%)$3,569.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$595.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$446.25
Prepaid interest, first (15 days)$214.87
Fees + prepaids$10,043.61
Your down payment is the seller’s equity. You take over the $119,098 balance, so the rest of the $356,900 price is paid at closing. A second mortgage can cover part of it. $247,845.61 is due at closing. Uses and sources reconcile at $366,943.61 each. Not a Closing Disclosure.