Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$115,594Cash toward the purchase price.
Closing costs + prepaids$11,061Not just lender fees.
Before credits & paid funds$126,655The complete starting cash picture.
Estimated remaining funds due at closing
$126,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,593.90
Your down payment$115,593.90
Closing costs + prepaids$11,060.91
Total buyer cash needed$126,654.80
Remaining funds due$126,654.80
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,167.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$108.50
Prepaid interest, first (27 days)$1,077.38
Fees + prepaids$11,060.91
Your down payment is the seller’s equity. You take over the $233,406 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $126,654.80 is due at closing. Uses and sources reconcile at $360,060.91 each. Not a Closing Disclosure.