Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$104,358Cash toward the purchase price.
Closing costs + prepaids$11,740Not just lender fees.
Before credits & paid funds$116,098The complete starting cash picture.
Estimated remaining funds due at closing
$116,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,358.45
Your down payment$104,358.45
Closing costs + prepaids$11,740.02
Total buyer cash needed$116,098.47
Remaining funds due$116,098.47
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%)$1,227.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,260.50
Prepaid interest, first (25 days)$534.81
Fees + prepaids$11,740.02
Your down payment is the seller’s equity. You take over the $245,542 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $116,098.47 is due at closing. Uses and sources reconcile at $361,640.02 each. Not a Closing Disclosure.