Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$63,915Cash toward the purchase price.
Closing costs + prepaids$10,695Not just lender fees.
Before credits & paid funds$74,610The complete starting cash picture.
Estimated remaining funds due at closing
$74,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,914.57
Your down payment$63,914.57
Closing costs + prepaids$10,695.26
Total buyer cash needed$74,609.83
Remaining funds due$74,609.83
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%)$1,430.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$463.75
Prepaid interest, first (2 days)$83.08
Fees + prepaids$10,695.26
Your down payment is the seller’s equity. You take over the $286,085 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $74,609.83 is due at closing. Uses and sources reconcile at $360,695.26 each. Not a Closing Disclosure.