Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$84,597Cash toward the purchase price.
Closing costs + prepaids$11,255Not just lender fees.
Before credits & paid funds$95,852The complete starting cash picture.
Estimated remaining funds due at closing
$95,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,596.99
Your down payment$84,596.99
Closing costs + prepaids$11,254.74
Total buyer cash needed$95,851.73
Remaining funds due$95,851.73
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,322.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$374.75
Initial HOA (3 months)$273.00
Prepaid interest, first (27 days)$576.98
Fees + prepaids$11,254.74
Your down payment is the seller’s equity. You take over the $264,403 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $95,851.73 is due at closing. Uses and sources reconcile at $360,254.74 each. Not a Closing Disclosure.