Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$96,942Cash toward the purchase price.
Closing costs + prepaids$12,094Not just lender fees.
Before credits & paid funds$109,036The complete starting cash picture.
Estimated remaining funds due at closing
$109,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,941.98
Your down payment$96,941.98
Closing costs + prepaids$12,093.92
Total buyer cash needed$109,035.90
Remaining funds due$109,035.90
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%)$3,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,255.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$870.00
Prepaid interest, first (29 days)$1,270.63
Fees + prepaids$12,093.92
Your down payment is the seller’s equity. You take over the $251,058 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $109,035.90 is due at closing. Uses and sources reconcile at $360,093.92 each. Not a Closing Disclosure.