Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$78,259Cash toward the purchase price.
Closing costs + prepaids$12,126Not just lender fees.
Before credits & paid funds$90,385The complete starting cash picture.
Estimated remaining funds due at closing
$90,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,259.11
Your down payment$78,259.11
Closing costs + prepaids$12,125.86
Total buyer cash needed$90,384.98
Remaining funds due$90,384.98
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%)$1,358.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$279.00
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$1,500.16
Fees + prepaids$12,125.86
Your down payment is the seller’s equity. You take over the $271,741 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $90,384.98 is due at closing. Uses and sources reconcile at $362,125.86 each. Not a Closing Disclosure.