Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$228,747Cash toward the purchase price.
Closing costs + prepaids$10,910Not just lender fees.
Before credits & paid funds$239,657The complete starting cash picture.
Estimated remaining funds due at closing
$239,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,747.29
Your down payment$228,747.29
Closing costs + prepaids$10,909.50
Total buyer cash needed$239,656.80
Remaining funds due$239,656.80
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%)$606.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,289.25
Prepaid interest, first (30 days)$295.99
Fees + prepaids$10,909.50
Your down payment is the seller’s equity. You take over the $121,253 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $239,656.80 is due at closing. Uses and sources reconcile at $360,909.50 each. Not a Closing Disclosure.