Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$136,115Cash toward the purchase price.
Closing costs + prepaids$10,528Not just lender fees.
Before credits & paid funds$146,642The complete starting cash picture.
Estimated remaining funds due at closing
$146,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,114.61
Your down payment$136,114.61
Closing costs + prepaids$10,527.52
Total buyer cash needed$146,642.12
Remaining funds due$146,642.12
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%)$1,069.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$235.50
Initial HOA (3 months)$60.00
Prepaid interest, first (27 days)$444.59
Fees + prepaids$10,527.52
Your down payment is the seller’s equity. You take over the $213,885 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $146,642.12 is due at closing. Uses and sources reconcile at $360,527.52 each. Not a Closing Disclosure.