Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$66,707Cash toward the purchase price.
Closing costs + prepaids$11,563Not just lender fees.
Before credits & paid funds$78,270The complete starting cash picture.
Estimated remaining funds due at closing
$78,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,706.66
Your down payment$66,706.66
Closing costs + prepaids$11,562.86
Total buyer cash needed$78,269.52
Remaining funds due$78,269.52
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%)$1,416.47
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 (23 days)$553.39
Fees + prepaids$11,562.86
Your down payment is the seller’s equity. You take over the $283,293 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $78,269.52 is due at closing. Uses and sources reconcile at $361,562.86 each. Not a Closing Disclosure.