Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$220,273Cash toward the purchase price.
Closing costs + prepaids$11,504Not just lender fees.
Before credits & paid funds$231,776The complete starting cash picture.
Estimated remaining funds due at closing
$231,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,272.64
Your down payment$220,272.64
Closing costs + prepaids$11,503.64
Total buyer cash needed$231,776.27
Remaining funds due$231,776.27
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%)$648.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,375.00
Initial HOA (3 months)$219.99
Prepaid interest, first (25 days)$542.01
Fees + prepaids$11,503.64
Your down payment is the seller’s equity. You take over the $129,727 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $231,776.27 is due at closing. Uses and sources reconcile at $361,503.64 each. Not a Closing Disclosure.