Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$178,271Cash toward the purchase price.
Closing costs + prepaids$11,100Not just lender fees.
Before credits & paid funds$189,372The complete starting cash picture.
Estimated remaining funds due at closing
$189,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,271.26
Your down payment$178,271.26
Closing costs + prepaids$11,100.39
Total buyer cash needed$189,371.65
Remaining funds due$189,371.65
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%)$858.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$829.50
Initial HOA (3 months)$219.99
Prepaid interest, first (28 days)$474.25
Fees + prepaids$11,100.39
Your down payment is the seller’s equity. You take over the $171,729 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $189,371.65 is due at closing. Uses and sources reconcile at $361,100.39 each. Not a Closing Disclosure.