Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$244,174Cash toward the purchase price.
Closing costs + prepaids$9,709Not just lender fees.
Before credits & paid funds$253,882The complete starting cash picture.
Estimated remaining funds due at closing
$253,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,173.72
Your down payment$244,173.72
Closing costs + prepaids$9,708.71
Total buyer cash needed$253,882.43
Remaining funds due$253,882.43
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%)$529.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Prepaid interest, first (6 days)$41.58
Fees + prepaids$9,708.71
Your down payment is the seller’s equity. You take over the $105,826 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $253,882.43 is due at closing. Uses and sources reconcile at $359,708.71 each. Not a Closing Disclosure.