Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,745Cash toward the purchase price.
Closing costs + prepaids$12,528Not just lender fees.
Before credits & paid funds$66,273The complete starting cash picture.
Estimated remaining funds due at closing
$66,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,744.91
Your down payment$53,744.91
Closing costs + prepaids$12,527.86
Total buyer cash needed$66,272.77
Remaining funds due$66,272.77
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%)$1,481.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,143.00
Prepaid interest, first (27 days)$1,185.59
Fees + prepaids$12,527.86
Your down payment is the seller’s equity. You take over the $296,255 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $66,272.77 is due at closing. Uses and sources reconcile at $362,527.86 each. Not a Closing Disclosure.