Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$70,486Cash toward the purchase price.
Closing costs + prepaids$10,659Not just lender fees.
Before credits & paid funds$81,145The complete starting cash picture.
Estimated remaining funds due at closing
$81,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,486.11
Your down payment$70,486.11
Closing costs + prepaids$10,659.28
Total buyer cash needed$81,145.39
Remaining funds due$81,145.39
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%)$1,397.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.25
Prepaid interest, first (1 days)$51.46
Fees + prepaids$10,659.28
Your down payment is the seller’s equity. You take over the $279,514 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $81,145.39 is due at closing. Uses and sources reconcile at $360,659.28 each. Not a Closing Disclosure.