Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$338,759Cash toward the purchase price.
Closing costs + prepaids$9,790Not just lender fees.
Before credits & paid funds$348,549The complete starting cash picture.
Estimated remaining funds due at closing
$348,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,759.01
Your down payment$338,759.01
Closing costs + prepaids$9,789.53
Total buyer cash needed$348,548.55
Remaining funds due$348,548.55
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%)$56.20
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)$120.00
Prepaid interest, first (23 days)$20.33
Fees + prepaids$9,789.53
Your down payment is the seller’s equity. You take over the $11,241 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $348,548.55 is due at closing. Uses and sources reconcile at $359,789.53 each. Not a Closing Disclosure.