Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$235,889Cash toward the purchase price.
Closing costs + prepaids$10,143Not just lender fees.
Before credits & paid funds$246,033The complete starting cash picture.
Estimated remaining funds due at closing
$246,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,889.23
Your down payment$235,889.23
Closing costs + prepaids$10,143.44
Total buyer cash needed$246,032.67
Remaining funds due$246,032.67
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%)$570.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.75
Prepaid interest, first (31 days)$404.14
Fees + prepaids$10,143.44
Your down payment is the seller’s equity. You take over the $114,111 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $246,032.67 is due at closing. Uses and sources reconcile at $360,143.44 each. Not a Closing Disclosure.