Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$113,790Cash toward the purchase price.
Closing costs + prepaids$11,045Not just lender fees.
Before credits & paid funds$124,835The complete starting cash picture.
Estimated remaining funds due at closing
$124,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,790.30
Your down payment$113,790.30
Closing costs + prepaids$11,044.92
Total buyer cash needed$124,835.21
Remaining funds due$124,835.21
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%)$1,181.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$369.50
Initial HOA (3 months)$258.00
Prepaid interest, first (30 days)$518.37
Fees + prepaids$11,044.92
Your down payment is the seller’s equity. You take over the $236,210 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $124,835.21 is due at closing. Uses and sources reconcile at $361,044.92 each. Not a Closing Disclosure.