Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$311,123Cash toward the purchase price.
Closing costs + prepaids$9,939Not just lender fees.
Before credits & paid funds$321,062The complete starting cash picture.
Estimated remaining funds due at closing
$321,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,122.71
Your down payment$311,122.71
Closing costs + prepaids$9,938.87
Total buyer cash needed$321,061.58
Remaining funds due$321,061.58
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%)$194.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$908.00
Prepaid interest, first (27 days)$118.49
Fees + prepaids$9,938.87
Your down payment is the seller’s equity. You take over the $38,877 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $321,061.58 is due at closing. Uses and sources reconcile at $359,938.87 each. Not a Closing Disclosure.