Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$155,498Cash toward the purchase price.
Closing costs + prepaids$10,948Not just lender fees.
Before credits & paid funds$166,446The complete starting cash picture.
Estimated remaining funds due at closing
$166,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,498.20
Your down payment$155,498.20
Closing costs + prepaids$10,947.85
Total buyer cash needed$166,446.05
Remaining funds due$166,446.05
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%)$972.51
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 (25 days)$382.34
Fees + prepaids$10,947.85
Your down payment is the seller’s equity. You take over the $194,502 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $166,446.05 is due at closing. Uses and sources reconcile at $360,947.85 each. Not a Closing Disclosure.