Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$73,789Cash toward the purchase price.
Closing costs + prepaids$12,229Not just lender fees.
Before credits & paid funds$86,018The complete starting cash picture.
Estimated remaining funds due at closing
$86,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,788.64
Your down payment$73,788.64
Closing costs + prepaids$12,229.49
Total buyer cash needed$86,018.13
Remaining funds due$86,018.13
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%)$1,381.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$365.00
Initial HOA (3 months)$342.00
Prepaid interest, first (30 days)$1,423.43
Fees + prepaids$12,229.49
Your down payment is the seller’s equity. You take over the $276,211 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $86,018.13 is due at closing. Uses and sources reconcile at $362,229.49 each. Not a Closing Disclosure.