Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$130,298Cash toward the purchase price.
Closing costs + prepaids$10,766Not just lender fees.
Before credits & paid funds$141,064The complete starting cash picture.
Estimated remaining funds due at closing
$141,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,297.55
Your down payment$130,297.55
Closing costs + prepaids$10,766.07
Total buyer cash needed$141,063.62
Remaining funds due$141,063.62
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%)$1,098.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.75
Initial HOA (3 months)$186.00
Prepaid interest, first (22 days)$464.81
Fees + prepaids$10,766.07
Your down payment is the seller’s equity. You take over the $219,702 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $141,063.62 is due at closing. Uses and sources reconcile at $360,766.07 each. Not a Closing Disclosure.