Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$314,103Cash toward the purchase price.
Closing costs + prepaids$9,306Not just lender fees.
Before credits & paid funds$323,409The complete starting cash picture.
Estimated remaining funds due at closing
$323,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,103.17
Your down payment$314,103.17
Closing costs + prepaids$9,305.99
Total buyer cash needed$323,409.17
Remaining funds due$323,409.17
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$178.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$267.00
Prepaid interest, first (23 days)$143.01
Fees + prepaids$9,305.99
Your down payment is the seller’s equity. You take over the $35,797 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $323,409.17 is due at closing. Uses and sources reconcile at $359,205.99 each. Not a Closing Disclosure.