Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$183,299Cash toward the purchase price.
Closing costs + prepaids$10,423Not just lender fees.
Before credits & paid funds$193,722The complete starting cash picture.
Estimated remaining funds due at closing
$193,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,298.71
Your down payment$183,298.71
Closing costs + prepaids$10,422.81
Total buyer cash needed$193,721.52
Remaining funds due$193,721.52
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%)$3,469.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$818.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$416.25
Initial HOA (3 months)$270.00
Prepaid interest, first (18 days)$231.55
Fees + prepaids$10,422.81
Your down payment is the seller’s equity. You take over the $163,601 balance, so the rest of the $346,900 price is paid at closing. A second mortgage can cover part of it. $193,721.52 is due at closing. Uses and sources reconcile at $357,322.81 each. Not a Closing Disclosure.