Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$199,631Cash toward the purchase price.
Closing costs + prepaids$10,118Not just lender fees.
Before credits & paid funds$209,750The complete starting cash picture.
Estimated remaining funds due at closing
$209,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,631.32
Your down payment$199,631.32
Closing costs + prepaids$10,118.44
Total buyer cash needed$209,749.75
Remaining funds due$209,749.75
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%)$751.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Prepaid interest, first (14 days)$211.09
Fees + prepaids$10,118.44
Your down payment is the seller’s equity. You take over the $150,369 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $209,749.75 is due at closing. Uses and sources reconcile at $360,118.44 each. Not a Closing Disclosure.