Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$57,851Cash toward the purchase price.
Closing costs + prepaids$11,271Not just lender fees.
Before credits & paid funds$69,121The complete starting cash picture.
Estimated remaining funds due at closing
$69,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,850.64
Your down payment$57,850.64
Closing costs + prepaids$11,270.61
Total buyer cash needed$69,121.25
Remaining funds due$69,121.25
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%)$1,460.75
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)$231.00
Prepaid interest, first (9 days)$440.87
Fees + prepaids$11,270.61
Your down payment is the seller’s equity. You take over the $292,149 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $69,121.25 is due at closing. Uses and sources reconcile at $361,270.61 each. Not a Closing Disclosure.