Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$239,178Cash toward the purchase price.
Closing costs + prepaids$13,007Not just lender fees.
Before credits & paid funds$252,185The complete starting cash picture.
Estimated remaining funds due at closing
$252,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,178.43
Your down payment$239,178.43
Closing costs + prepaids$13,006.84
Total buyer cash needed$252,185.27
Remaining funds due$252,185.27
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%)$554.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$3,537.50
Prepaid interest, first (29 days)$197.23
Fees + prepaids$13,006.84
Your down payment is the seller’s equity. You take over the $110,822 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $252,185.27 is due at closing. Uses and sources reconcile at $363,006.84 each. Not a Closing Disclosure.