Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$222,599Cash toward the purchase price.
Closing costs + prepaids$10,038Not just lender fees.
Before credits & paid funds$232,637The complete starting cash picture.
Estimated remaining funds due at closing
$232,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,598.82
Your down payment$222,598.82
Closing costs + prepaids$10,038.31
Total buyer cash needed$232,637.13
Remaining funds due$232,637.13
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%)$637.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$139.00
Prepaid interest, first (23 days)$544.30
Fees + prepaids$10,038.31
Your down payment is the seller’s equity. You take over the $127,401 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $232,637.13 is due at closing. Uses and sources reconcile at $360,038.31 each. Not a Closing Disclosure.