Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$256,276Cash toward the purchase price.
Closing costs + prepaids$10,590Not just lender fees.
Before credits & paid funds$266,866The complete starting cash picture.
Estimated remaining funds due at closing
$266,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,276.22
Your down payment$256,276.22
Closing costs + prepaids$10,589.56
Total buyer cash needed$266,865.78
Remaining funds due$266,865.78
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%)$468.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Initial HOA (3 months)$900.00
Prepaid interest, first (10 days)$82.94
Fees + prepaids$10,589.56
Your down payment is the seller’s equity. You take over the $93,724 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $266,865.78 is due at closing. Uses and sources reconcile at $360,589.56 each. Not a Closing Disclosure.