Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$88,686Cash toward the purchase price.
Closing costs + prepaids$11,964Not just lender fees.
Before credits & paid funds$100,649The complete starting cash picture.
Estimated remaining funds due at closing
$100,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,685.81
Your down payment$88,685.81
Closing costs + prepaids$11,963.62
Total buyer cash needed$100,649.43
Remaining funds due$100,649.43
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%)$3,530.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,321.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$515.50
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$1,078.55
Fees + prepaids$11,963.62
Your down payment is the seller’s equity. You take over the $264,314 balance, so the rest of the $353,000 price is paid at closing. A second mortgage can cover part of it. $100,649.43 is due at closing. Uses and sources reconcile at $364,963.62 each. Not a Closing Disclosure.