Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$80,726Cash toward the purchase price.
Closing costs + prepaids$11,526Not just lender fees.
Before credits & paid funds$92,252The complete starting cash picture.
Estimated remaining funds due at closing
$92,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,726.20
Your down payment$80,726.20
Closing costs + prepaids$11,526.29
Total buyer cash needed$92,252.49
Remaining funds due$92,252.49
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%)$3,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,343.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$873.75
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$570.68
Fees + prepaids$11,526.29
Your down payment is the seller’s equity. You take over the $268,774 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $92,252.49 is due at closing. Uses and sources reconcile at $361,026.29 each. Not a Closing Disclosure.