Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$111,481Cash toward the purchase price.
Closing costs + prepaids$10,666Not just lender fees.
Before credits & paid funds$122,147The complete starting cash picture.
Estimated remaining funds due at closing
$122,147No 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$10,666.09
Total buyer cash needed$122,147.08
Remaining funds due$122,147.08
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 (17 days)$335.49
Fees + prepaids$10,666.09
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. $122,147.08 is due at closing. Uses and sources reconcile at $360,666.09 each. Not a Closing Disclosure.