Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$112,253Cash toward the purchase price.
Closing costs + prepaids$11,979Not just lender fees.
Before credits & paid funds$124,232The complete starting cash picture.
Estimated remaining funds due at closing
$124,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,253.20
Your down payment$112,253.20
Closing costs + prepaids$11,979.26
Total buyer cash needed$124,232.46
Remaining funds due$124,232.46
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%)$3,449.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,163.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$692.00
Initial HOA (3 months)$975.00
Prepaid interest, first (24 days)$480.54
Fees + prepaids$11,979.26
Your down payment is the seller’s equity. You take over the $232,746 balance, so the rest of the $344,999 price is paid at closing. A second mortgage can cover part of it. $124,232.46 is due at closing. Uses and sources reconcile at $356,978.26 each. Not a Closing Disclosure.