Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$169,830Cash toward the purchase price.
Closing costs + prepaids$10,850Not just lender fees.
Before credits & paid funds$180,680The complete starting cash picture.
Estimated remaining funds due at closing
$180,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,829.61
Your down payment$169,829.61
Closing costs + prepaids$10,850.18
Total buyer cash needed$180,679.79
Remaining funds due$180,679.79
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%)$900.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$757.75
Prepaid interest, first (26 days)$473.58
Fees + prepaids$10,850.18
Your down payment is the seller’s equity. You take over the $180,170 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $180,679.79 is due at closing. Uses and sources reconcile at $360,850.18 each. Not a Closing Disclosure.