Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$139,091Cash toward the purchase price.
Closing costs + prepaids$10,575Not just lender fees.
Before credits & paid funds$149,666The complete starting cash picture.
Estimated remaining funds due at closing
$149,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,091.10
Your down payment$139,091.10
Closing costs + prepaids$10,574.60
Total buyer cash needed$149,665.70
Remaining funds due$149,665.70
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%)$1,054.54
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)$225.00
Prepaid interest, first (9 days)$157.05
Fees + prepaids$10,574.60
Your down payment is the seller’s equity. You take over the $210,909 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $149,665.70 is due at closing. Uses and sources reconcile at $360,574.60 each. Not a Closing Disclosure.