Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$305,811Cash toward the purchase price.
Closing costs + prepaids$9,363Not just lender fees.
Before credits & paid funds$315,174The complete starting cash picture.
Estimated remaining funds due at closing
$315,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,811.15
Your down payment$305,811.15
Closing costs + prepaids$9,363.09
Total buyer cash needed$315,174.24
Remaining funds due$315,174.24
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%)$220.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$342.50
Prepaid interest, first (24 days)$81.65
Fees + prepaids$9,363.09
Your down payment is the seller’s equity. You take over the $44,189 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $315,174.24 is due at closing. Uses and sources reconcile at $359,363.09 each. Not a Closing Disclosure.