Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,433Cash toward the purchase price.
Closing costs + prepaids$11,337Not just lender fees.
Before credits & paid funds$136,770The complete starting cash picture.
Estimated remaining funds due at closing
$136,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,432.76
Your down payment$125,432.76
Closing costs + prepaids$11,336.93
Total buyer cash needed$136,769.69
Remaining funds due$136,769.69
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%)$1,122.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$580.00
Initial HOA (3 months)$441.00
Prepaid interest, first (27 days)$475.10
Fees + prepaids$11,336.93
Your down payment is the seller’s equity. You take over the $224,567 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $136,769.69 is due at closing. Uses and sources reconcile at $361,336.93 each. Not a Closing Disclosure.