Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$333,822Cash toward the purchase price.
Closing costs + prepaids$8,843Not just lender fees.
Before credits & paid funds$342,665The complete starting cash picture.
Estimated remaining funds due at closing
$342,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,822.32
Your down payment$333,822.32
Closing costs + prepaids$8,842.90
Total buyer cash needed$342,665.22
Remaining funds due$342,665.22
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%)$80.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$6.25
Prepaid interest, first (30 days)$37.76
Fees + prepaids$8,842.90
Your down payment is the seller’s equity. You take over the $16,178 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $342,665.22 is due at closing. Uses and sources reconcile at $358,842.90 each. Not a Closing Disclosure.