Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$161,320Cash toward the purchase price.
Closing costs + prepaids$10,906Not just lender fees.
Before credits & paid funds$172,226The complete starting cash picture.
Estimated remaining funds due at closing
$172,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,319.70
Your down payment$161,319.70
Closing costs + prepaids$10,906.27
Total buyer cash needed$172,225.97
Remaining funds due$172,225.97
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%)$943.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$875.00
Prepaid interest, first (27 days)$369.87
Fees + prepaids$10,906.27
Your down payment is the seller’s equity. You take over the $188,680 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $172,225.97 is due at closing. Uses and sources reconcile at $360,906.27 each. Not a Closing Disclosure.