Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$121,940Cash toward the purchase price.
Closing costs + prepaids$10,866Not just lender fees.
Before credits & paid funds$132,806The complete starting cash picture.
Estimated remaining funds due at closing
$132,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,939.74
Your down payment$121,939.74
Closing costs + prepaids$10,866.08
Total buyer cash needed$132,805.82
Remaining funds due$132,805.82
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%)$1,140.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$892.50
Prepaid interest, first (5 days)$115.28
Fees + prepaids$10,866.08
Your down payment is the seller’s equity. You take over the $228,060 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $132,805.82 is due at closing. Uses and sources reconcile at $360,866.08 each. Not a Closing Disclosure.