Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$128,388Cash toward the purchase price.
Closing costs + prepaids$12,102Not just lender fees.
Before credits & paid funds$140,490The complete starting cash picture.
Estimated remaining funds due at closing
$140,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,387.94
Your down payment$128,387.94
Closing costs + prepaids$12,101.87
Total buyer cash needed$140,489.81
Remaining funds due$140,489.81
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%)$1,108.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$875.00
Initial HOA (3 months)$918.00
Prepaid interest, first (28 days)$482.81
Fees + prepaids$12,101.87
Your down payment is the seller’s equity. You take over the $221,612 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $140,489.81 is due at closing. Uses and sources reconcile at $362,101.87 each. Not a Closing Disclosure.