Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$104,339Cash toward the purchase price.
Closing costs + prepaids$11,478Not just lender fees.
Before credits & paid funds$115,817The complete starting cash picture.
Estimated remaining funds due at closing
$115,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,338.61
Your down payment$104,338.61
Closing costs + prepaids$11,478.45
Total buyer cash needed$115,817.06
Remaining funds due$115,817.06
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,227.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.25
Initial HOA (3 months)$6.24
Prepaid interest, first (31 days)$1,295.15
Fees + prepaids$11,478.45
Your down payment is the seller’s equity. You take over the $245,561 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $115,817.06 is due at closing. Uses and sources reconcile at $361,378.45 each. Not a Closing Disclosure.