Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$79,507Cash toward the purchase price.
Closing costs + prepaids$11,209Not just lender fees.
Before credits & paid funds$90,716The complete starting cash picture.
Estimated remaining funds due at closing
$90,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,507.15
Your down payment$79,507.15
Closing costs + prepaids$11,208.85
Total buyer cash needed$90,716.00
Remaining funds due$90,716.00
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%)$1,349.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$516.25
Prepaid interest, first (28 days)$629.64
Fees + prepaids$11,208.85
Your down payment is the seller’s equity. You take over the $269,993 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $90,716.00 is due at closing. Uses and sources reconcile at $360,708.85 each. Not a Closing Disclosure.