Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,081Cash toward the purchase price.
Closing costs + prepaids$14,110Not just lender fees.
Before credits & paid funds$91,191The complete starting cash picture.
Estimated remaining funds due at closing
$91,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,081.44
Your down payment$77,081.44
Closing costs + prepaids$14,109.82
Total buyer cash needed$91,191.26
Remaining funds due$91,191.26
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%)$1,364.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$874.75
Initial HOA (3 months)$1,815.00
Prepaid interest, first (26 days)$1,338.98
Fees + prepaids$14,109.82
Your down payment is the seller’s equity. You take over the $272,819 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $91,191.26 is due at closing. Uses and sources reconcile at $364,009.82 each. Not a Closing Disclosure.