Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$126,320Cash toward the purchase price.
Closing costs + prepaids$10,988Not just lender fees.
Before credits & paid funds$137,308The complete starting cash picture.
Estimated remaining funds due at closing
$137,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,319.97
Your down payment$126,319.97
Closing costs + prepaids$10,987.59
Total buyer cash needed$137,307.56
Remaining funds due$137,307.56
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%)$1,118.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Prepaid interest, first (18 days)$713.69
Fees + prepaids$10,987.59
Your down payment is the seller’s equity. You take over the $223,680 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $137,307.56 is due at closing. Uses and sources reconcile at $360,987.59 each. Not a Closing Disclosure.