Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$254,318Cash toward the purchase price.
Closing costs + prepaids$9,541Not just lender fees.
Before credits & paid funds$263,859The complete starting cash picture.
Estimated remaining funds due at closing
$263,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,317.67
Your down payment$254,317.67
Closing costs + prepaids$9,541.33
Total buyer cash needed$263,859.01
Remaining funds due$263,859.01
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%)$477.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$143.50
Prepaid interest, first (27 days)$202.92
Fees + prepaids$9,541.33
Your down payment is the seller’s equity. You take over the $95,582 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $263,859.01 is due at closing. Uses and sources reconcile at $359,441.33 each. Not a Closing Disclosure.