Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$70,313Cash toward the purchase price.
Closing costs + prepaids$11,035Not just lender fees.
Before credits & paid funds$81,348The complete starting cash picture.
Estimated remaining funds due at closing
$81,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,312.76
Your down payment$70,312.76
Closing costs + prepaids$11,035.20
Total buyer cash needed$81,347.96
Remaining funds due$81,347.96
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%)$1,398.44
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)$180.00
Prepaid interest, first (10 days)$318.77
Fees + prepaids$11,035.20
Your down payment is the seller’s equity. You take over the $279,687 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $81,347.96 is due at closing. Uses and sources reconcile at $361,035.20 each. Not a Closing Disclosure.