Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$343,777Cash toward the purchase price.
Closing costs + prepaids$9,335Not just lender fees.
Before credits & paid funds$353,111The complete starting cash picture.
Estimated remaining funds due at closing
$353,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,776.95
Your down payment$343,776.95
Closing costs + prepaids$9,334.53
Total buyer cash needed$353,111.47
Remaining funds due$353,111.47
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%)$31.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$524.00
Initial HOA (3 months)$48.00
Prepaid interest, first (18 days)$13.41
Fees + prepaids$9,334.53
Your down payment is the seller’s equity. You take over the $6,223 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $353,111.47 is due at closing. Uses and sources reconcile at $359,334.53 each. Not a Closing Disclosure.