Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$70,115Cash toward the purchase price.
Closing costs + prepaids$12,786Not just lender fees.
Before credits & paid funds$82,901The complete starting cash picture.
Estimated remaining funds due at closing
$82,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,115.07
Your down payment$70,115.07
Closing costs + prepaids$12,786.07
Total buyer cash needed$82,901.15
Remaining funds due$82,901.15
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%)$1,398.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,409.25
Initial HOA (3 months)$158.01
Prepaid interest, first (22 days)$1,102.89
Fees + prepaids$12,786.07
Your down payment is the seller’s equity. You take over the $279,785 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $82,901.15 is due at closing. Uses and sources reconcile at $362,686.07 each. Not a Closing Disclosure.