Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$107,734Cash toward the purchase price.
Closing costs + prepaids$11,385Not just lender fees.
Before credits & paid funds$119,119The complete starting cash picture.
Estimated remaining funds due at closing
$119,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,734.25
Your down payment$107,734.25
Closing costs + prepaids$11,384.51
Total buyer cash needed$119,118.76
Remaining funds due$119,118.76
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%)$1,211.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$970.25
Prepaid interest, first (26 days)$484.93
Fees + prepaids$11,384.51
Your down payment is the seller’s equity. You take over the $242,266 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $119,118.76 is due at closing. Uses and sources reconcile at $361,384.51 each. Not a Closing Disclosure.