Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$120,360Cash toward the purchase price.
Closing costs + prepaids$10,410Not just lender fees.
Before credits & paid funds$130,769The complete starting cash picture.
Estimated remaining funds due at closing
$130,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,359.55
Your down payment$120,359.55
Closing costs + prepaids$10,409.94
Total buyer cash needed$130,769.49
Remaining funds due$130,769.49
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%)$1,148.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$147.25
Prepaid interest, first (23 days)$396.49
Fees + prepaids$10,409.94
Your down payment is the seller’s equity. You take over the $229,640 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $130,769.49 is due at closing. Uses and sources reconcile at $360,409.94 each. Not a Closing Disclosure.