Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$248,725Cash toward the purchase price.
Closing costs + prepaids$11,523Not just lender fees.
Before credits & paid funds$260,248The complete starting cash picture.
Estimated remaining funds due at closing
$260,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,724.79
Your down payment$248,724.79
Closing costs + prepaids$11,523.03
Total buyer cash needed$260,247.82
Remaining funds due$260,247.82
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$501.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$872.50
Initial HOA (3 months)$1,155.00
Prepaid interest, first (28 days)$286.16
Fees + prepaids$11,523.03
Your down payment is the seller’s equity. You take over the $100,275 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $260,247.82 is due at closing. Uses and sources reconcile at $360,523.03 each. Not a Closing Disclosure.