Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$70,764Cash toward the purchase price.
Closing costs + prepaids$11,789Not just lender fees.
Before credits & paid funds$82,553The complete starting cash picture.
Estimated remaining funds due at closing
$82,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,763.64
Your down payment$70,763.64
Closing costs + prepaids$11,788.86
Total buyer cash needed$82,552.50
Remaining funds due$82,552.50
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%)$1,396.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.25
Prepaid interest, first (23 days)$1,182.43
Fees + prepaids$11,788.86
Your down payment is the seller’s equity. You take over the $279,236 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $82,552.50 is due at closing. Uses and sources reconcile at $361,788.86 each. Not a Closing Disclosure.