Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$87,328Cash toward the purchase price.
Closing costs + prepaids$10,669Not just lender fees.
Before credits & paid funds$97,996The complete starting cash picture.
Estimated remaining funds due at closing
$97,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,327.50
Your down payment$87,327.50
Closing costs + prepaids$10,668.60
Total buyer cash needed$97,996.10
Remaining funds due$97,996.10
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%)$3,488.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,307.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$192.25
Prepaid interest, first (23 days)$462.99
Fees + prepaids$10,668.60
Your down payment is the seller’s equity. You take over the $261,472 balance, so the rest of the $348,800 price is paid at closing. A second mortgage can cover part of it. $97,996.10 is due at closing. Uses and sources reconcile at $359,468.60 each. Not a Closing Disclosure.