Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$323,499Cash toward the purchase price.
Closing costs + prepaids$9,397Not just lender fees.
Before credits & paid funds$332,897The complete starting cash picture.
Estimated remaining funds due at closing
$332,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,499.27
Your down payment$323,499.27
Closing costs + prepaids$9,397.42
Total buyer cash needed$332,896.69
Remaining funds due$332,896.69
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%)$132.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$422.50
Prepaid interest, first (24 days)$124.42
Fees + prepaids$9,397.42
Your down payment is the seller’s equity. You take over the $26,501 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $332,896.69 is due at closing. Uses and sources reconcile at $359,397.42 each. Not a Closing Disclosure.