Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$280,409Cash toward the purchase price.
Closing costs + prepaids$10,243Not just lender fees.
Before credits & paid funds$290,651The complete starting cash picture.
Estimated remaining funds due at closing
$290,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,408.68
Your down payment$280,408.68
Closing costs + prepaids$10,242.76
Total buyer cash needed$290,651.44
Remaining funds due$290,651.44
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%)$347.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$427.50
Initial HOA (3 months)$417.00
Prepaid interest, first (29 days)$332.30
Fees + prepaids$10,242.76
Your down payment is the seller’s equity. You take over the $69,591 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $290,651.44 is due at closing. Uses and sources reconcile at $360,242.76 each. Not a Closing Disclosure.