Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$93,426Cash toward the purchase price.
Closing costs + prepaids$10,629Not just lender fees.
Before credits & paid funds$104,055The complete starting cash picture.
Estimated remaining funds due at closing
$104,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,426.11
Your down payment$93,426.11
Closing costs + prepaids$10,629.30
Total buyer cash needed$104,055.41
Remaining funds due$104,055.41
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%)$1,282.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (30 days)$628.43
Fees + prepaids$10,629.30
Your down payment is the seller’s equity. You take over the $256,574 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $104,055.41 is due at closing. Uses and sources reconcile at $360,629.30 each. Not a Closing Disclosure.