Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$273,064Cash toward the purchase price.
Closing costs + prepaids$9,831Not just lender fees.
Before credits & paid funds$282,895The complete starting cash picture.
Estimated remaining funds due at closing
$282,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,063.86
Your down payment$273,063.86
Closing costs + prepaids$9,831.25
Total buyer cash needed$282,895.12
Remaining funds due$282,895.12
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%)$384.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$497.25
Prepaid interest, first (28 days)$232.82
Fees + prepaids$9,831.25
Your down payment is the seller’s equity. You take over the $76,836 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $282,895.12 is due at closing. Uses and sources reconcile at $359,731.25 each. Not a Closing Disclosure.