Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$86,407Cash toward the purchase price.
Closing costs + prepaids$10,871Not just lender fees.
Before credits & paid funds$97,278The complete starting cash picture.
Estimated remaining funds due at closing
$97,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,406.77
Your down payment$86,406.77
Closing costs + prepaids$10,871.16
Total buyer cash needed$97,277.93
Remaining funds due$97,277.93
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%)$3,420.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,277.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$423.00
Prepaid interest, first (25 days)$532.19
Fees + prepaids$10,871.16
Your down payment is the seller’s equity. You take over the $255,593 balance, so the rest of the $342,000 price is paid at closing. A second mortgage can cover part of it. $97,277.93 is due at closing. Uses and sources reconcile at $352,871.16 each. Not a Closing Disclosure.