Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$219,094Cash toward the purchase price.
Closing costs + prepaids$11,259Not just lender fees.
Before credits & paid funds$230,353The complete starting cash picture.
Estimated remaining funds due at closing
$230,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,093.90
Your down payment$219,093.90
Closing costs + prepaids$11,259.29
Total buyer cash needed$230,353.18
Remaining funds due$230,353.18
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%)$654.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,498.50
Initial HOA (3 months)$60.99
Prepaid interest, first (25 days)$327.27
Fees + prepaids$11,259.29
Your down payment is the seller’s equity. You take over the $130,906 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $230,353.18 is due at closing. Uses and sources reconcile at $361,259.29 each. Not a Closing Disclosure.