Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$225,582Cash toward the purchase price.
Closing costs + prepaids$9,918Not just lender fees.
Before credits & paid funds$235,501The complete starting cash picture.
Estimated remaining funds due at closing
$235,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,582.12
Your down payment$225,582.12
Closing costs + prepaids$9,918.45
Total buyer cash needed$235,500.57
Remaining funds due$235,500.57
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%)$622.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$551.50
Prepaid interest, first (2 days)$26.86
Fees + prepaids$9,918.45
Your down payment is the seller’s equity. You take over the $124,418 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $235,500.57 is due at closing. Uses and sources reconcile at $359,918.45 each. Not a Closing Disclosure.