Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$110,402Cash toward the purchase price.
Closing costs + prepaids$11,280Not just lender fees.
Before credits & paid funds$121,682The complete starting cash picture.
Estimated remaining funds due at closing
$121,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,401.72
Your down payment$110,401.72
Closing costs + prepaids$11,280.02
Total buyer cash needed$121,681.74
Remaining funds due$121,681.74
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%)$3,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,197.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$875.00
Prepaid interest, first (25 days)$489.04
Fees + prepaids$11,280.02
Your down payment is the seller’s equity. You take over the $239,597 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $121,681.74 is due at closing. Uses and sources reconcile at $361,279.02 each. Not a Closing Disclosure.