Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$117,458Cash toward the purchase price.
Closing costs + prepaids$12,080Not just lender fees.
Before credits & paid funds$129,538The complete starting cash picture.
Estimated remaining funds due at closing
$129,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,458.45
Your down payment$117,458.45
Closing costs + prepaids$12,079.96
Total buyer cash needed$129,538.41
Remaining funds due$129,538.41
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%)$1,162.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,320.25
Prepaid interest, first (27 days)$879.01
Fees + prepaids$12,079.96
Your down payment is the seller’s equity. You take over the $232,542 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $129,538.41 is due at closing. Uses and sources reconcile at $362,079.96 each. Not a Closing Disclosure.