Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$117,789Cash toward the purchase price.
Closing costs + prepaids$10,861Not just lender fees.
Before credits & paid funds$128,650The complete starting cash picture.
Estimated remaining funds due at closing
$128,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,789.02
Your down payment$117,789.02
Closing costs + prepaids$10,861.02
Total buyer cash needed$128,650.03
Remaining funds due$128,650.03
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%)$1,161.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$472.50
Prepaid interest, first (28 days)$509.46
Fees + prepaids$10,861.02
Your down payment is the seller’s equity. You take over the $232,211 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $128,650.03 is due at closing. Uses and sources reconcile at $360,861.02 each. Not a Closing Disclosure.