Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$123,072Cash toward the purchase price.
Closing costs + prepaids$12,233Not just lender fees.
Before credits & paid funds$135,305The complete starting cash picture.
Estimated remaining funds due at closing
$135,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,072.21
Your down payment$123,072.21
Closing costs + prepaids$12,233.25
Total buyer cash needed$135,305.46
Remaining funds due$135,305.46
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%)$1,134.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.00
Initial HOA (3 months)$879.00
Prepaid interest, first (25 days)$1,033.61
Fees + prepaids$12,233.25
Your down payment is the seller’s equity. You take over the $226,928 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $135,305.46 is due at closing. Uses and sources reconcile at $362,233.25 each. Not a Closing Disclosure.