Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$116,527Cash toward the purchase price.
Closing costs + prepaids$13,158Not just lender fees.
Before credits & paid funds$129,685The complete starting cash picture.
Estimated remaining funds due at closing
$129,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,527.43
Your down payment$116,527.43
Closing costs + prepaids$13,157.67
Total buyer cash needed$129,685.10
Remaining funds due$129,685.10
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%)$1,167.36
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)$1,860.00
Prepaid interest, first (28 days)$537.31
Fees + prepaids$13,157.67
Your down payment is the seller’s equity. You take over the $233,473 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $129,685.10 is due at closing. Uses and sources reconcile at $363,157.67 each. Not a Closing Disclosure.