Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$111,481Cash toward the purchase price.
Closing costs + prepaids$10,508Not just lender fees.
Before credits & paid funds$121,989The complete starting cash picture.
Estimated remaining funds due at closing
$121,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,480.99
Your down payment$111,480.99
Closing costs + prepaids$10,508.21
Total buyer cash needed$121,989.20
Remaining funds due$121,989.20
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%)$1,192.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Prepaid interest, first (9 days)$177.61
Fees + prepaids$10,508.21
Your down payment is the seller’s equity. You take over the $238,519 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $121,989.20 is due at closing. Uses and sources reconcile at $360,508.21 each. Not a Closing Disclosure.