Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$284,467Cash toward the purchase price.
Closing costs + prepaids$9,246Not just lender fees.
Before credits & paid funds$293,713The complete starting cash picture.
Estimated remaining funds due at closing
$293,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,466.57
Your down payment$284,466.57
Closing costs + prepaids$9,245.94
Total buyer cash needed$293,712.51
Remaining funds due$293,712.51
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%)$3,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$292.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$148.50
Prepaid interest, first (26 days)$156.77
Fees + prepaids$9,245.94
Your down payment is the seller’s equity. You take over the $58,533 balance, so the rest of the $343,000 price is paid at closing. A second mortgage can cover part of it. $293,712.51 is due at closing. Uses and sources reconcile at $352,245.94 each. Not a Closing Disclosure.