Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$73,789Cash toward the purchase price.
Closing costs + prepaids$11,668Not just lender fees.
Before credits & paid funds$85,456The complete starting cash picture.
Estimated remaining funds due at closing
$85,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,788.64
Your down payment$73,788.64
Closing costs + prepaids$11,667.67
Total buyer cash needed$85,456.31
Remaining funds due$85,456.31
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%)$1,381.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Initial HOA (3 months)$342.00
Prepaid interest, first (17 days)$806.61
Fees + prepaids$11,667.67
Your down payment is the seller’s equity. You take over the $276,211 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $85,456.31 is due at closing. Uses and sources reconcile at $361,667.67 each. Not a Closing Disclosure.