Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$169,662Cash toward the purchase price.
Closing costs + prepaids$11,893Not just lender fees.
Before credits & paid funds$181,554The complete starting cash picture.
Estimated remaining funds due at closing
$181,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,661.52
Your down payment$169,661.52
Closing costs + prepaids$11,892.61
Total buyer cash needed$181,554.12
Remaining funds due$181,554.12
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%)$901.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.50
Initial HOA (3 months)$1,467.00
Prepaid interest, first (23 days)$328.41
Fees + prepaids$11,892.61
Your down payment is the seller’s equity. You take over the $180,338 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $181,554.12 is due at closing. Uses and sources reconcile at $361,892.61 each. Not a Closing Disclosure.