Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$182,824Cash toward the purchase price.
Closing costs + prepaids$10,842Not just lender fees.
Before credits & paid funds$193,666The complete starting cash picture.
Estimated remaining funds due at closing
$193,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,824.47
Your down payment$182,824.47
Closing costs + prepaids$10,841.66
Total buyer cash needed$193,666.13
Remaining funds due$193,666.13
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%)$3,505.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$838.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$876.25
Initial HOA (3 months)$108.00
Prepaid interest, first (18 days)$296.03
Fees + prepaids$10,841.66
Your down payment is the seller’s equity. You take over the $167,676 balance, so the rest of the $350,500 price is paid at closing. A second mortgage can cover part of it. $193,666.13 is due at closing. Uses and sources reconcile at $361,341.66 each. Not a Closing Disclosure.