Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$106,377Cash toward the purchase price.
Closing costs + prepaids$11,829Not just lender fees.
Before credits & paid funds$118,206The complete starting cash picture.
Estimated remaining funds due at closing
$118,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,376.62
Your down payment$106,376.62
Closing costs + prepaids$11,829.31
Total buyer cash needed$118,205.92
Remaining funds due$118,205.92
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%)$1,217.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$842.00
Prepaid interest, first (23 days)$1,052.69
Fees + prepaids$11,829.31
Your down payment is the seller’s equity. You take over the $243,523 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $118,205.92 is due at closing. Uses and sources reconcile at $361,729.31 each. Not a Closing Disclosure.