Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,586Cash toward the purchase price.
Closing costs + prepaids$11,771Not just lender fees.
Before credits & paid funds$114,357The complete starting cash picture.
Estimated remaining funds due at closing
$114,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,586.40
Your down payment$102,586.40
Closing costs + prepaids$11,771.07
Total buyer cash needed$114,357.47
Remaining funds due$114,357.47
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%)$3,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,234.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$548.75
Prepaid interest, first (28 days)$1,274.75
Fees + prepaids$11,771.07
Your down payment is the seller’s equity. You take over the $246,914 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $114,357.47 is due at closing. Uses and sources reconcile at $361,271.07 each. Not a Closing Disclosure.