Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$104,081Cash toward the purchase price.
Closing costs + prepaids$10,721Not just lender fees.
Before credits & paid funds$114,802The complete starting cash picture.
Estimated remaining funds due at closing
$114,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,081.43
Your down payment$104,081.43
Closing costs + prepaids$10,720.59
Total buyer cash needed$114,802.02
Remaining funds due$114,802.02
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%)$3,525.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,242.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$88.75
Initial HOA (3 months)$138.00
Prepaid interest, first (25 days)$508.75
Fees + prepaids$10,720.59
Your down payment is the seller’s equity. You take over the $248,419 balance, so the rest of the $352,500 price is paid at closing. A second mortgage can cover part of it. $114,802.02 is due at closing. Uses and sources reconcile at $363,220.59 each. Not a Closing Disclosure.