Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$92,434Cash toward the purchase price.
Closing costs + prepaids$12,141Not just lender fees.
Before credits & paid funds$104,575The complete starting cash picture.
Estimated remaining funds due at closing
$104,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,434.15
Your down payment$92,434.15
Closing costs + prepaids$12,140.68
Total buyer cash needed$104,574.82
Remaining funds due$104,574.82
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%)$3,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,212.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$82.00
Initial HOA (3 months)$1,035.00
Prepaid interest, first (28 days)$1,244.35
Fees + prepaids$12,140.68
Your down payment is the seller’s equity. You take over the $242,466 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $104,574.82 is due at closing. Uses and sources reconcile at $347,040.68 each. Not a Closing Disclosure.