Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$71,329Cash toward the purchase price.
Closing costs + prepaids$11,207Not just lender fees.
Before credits & paid funds$82,535The complete starting cash picture.
Estimated remaining funds due at closing
$82,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,328.87
Your down payment$71,328.87
Closing costs + prepaids$11,206.53
Total buyer cash needed$82,535.40
Remaining funds due$82,535.40
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%)$1,393.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$179.00
Prepaid interest, first (24 days)$916.18
Fees + prepaids$11,206.53
Your down payment is the seller’s equity. You take over the $278,671 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $82,535.40 is due at closing. Uses and sources reconcile at $361,206.53 each. Not a Closing Disclosure.