Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$167,782Cash toward the purchase price.
Closing costs + prepaids$10,567Not just lender fees.
Before credits & paid funds$178,349The complete starting cash picture.
Estimated remaining funds due at closing
$178,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,782.35
Your down payment$167,782.35
Closing costs + prepaids$10,567.01
Total buyer cash needed$178,349.36
Remaining funds due$178,349.36
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%)$3,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$908.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$891.25
Prepaid interest, first (4 days)$54.17
Fees + prepaids$10,567.01
Your down payment is the seller’s equity. You take over the $181,718 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $178,349.36 is due at closing. Uses and sources reconcile at $360,067.01 each. Not a Closing Disclosure.