Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$102,567Cash toward the purchase price.
Closing costs + prepaids$12,818Not just lender fees.
Before credits & paid funds$115,385The complete starting cash picture.
Estimated remaining funds due at closing
$115,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,566.96
Your down payment$102,566.96
Closing costs + prepaids$12,817.68
Total buyer cash needed$115,384.64
Remaining funds due$115,384.64
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%)$1,237.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$769.50
Initial HOA (3 months)$1,392.00
Prepaid interest, first (27 days)$701.02
Fees + prepaids$12,817.68
Your down payment is the seller’s equity. You take over the $247,433 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $115,384.64 is due at closing. Uses and sources reconcile at $362,817.68 each. Not a Closing Disclosure.