Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$160,717Cash toward the purchase price.
Closing costs + prepaids$11,748Not just lender fees.
Before credits & paid funds$172,465The complete starting cash picture.
Estimated remaining funds due at closing
$172,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,716.79
Your down payment$160,716.79
Closing costs + prepaids$11,747.80
Total buyer cash needed$172,464.59
Remaining funds due$172,464.59
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%)$946.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,573.00
Initial HOA (3 months)$24.99
Prepaid interest, first (24 days)$485.39
Fees + prepaids$11,747.80
Your down payment is the seller’s equity. You take over the $189,283 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $172,464.59 is due at closing. Uses and sources reconcile at $361,747.80 each. Not a Closing Disclosure.