Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$84,567Cash toward the purchase price.
Closing costs + prepaids$11,144Not just lender fees.
Before credits & paid funds$95,711The complete starting cash picture.
Estimated remaining funds due at closing
$95,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,567.21
Your down payment$84,567.21
Closing costs + prepaids$11,143.81
Total buyer cash needed$95,711.02
Remaining funds due$95,711.02
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%)$1,326.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$515.25
Prepaid interest, first (27 days)$584.90
Fees + prepaids$11,143.81
Your down payment is the seller’s equity. You take over the $265,333 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $95,711.02 is due at closing. Uses and sources reconcile at $361,043.81 each. Not a Closing Disclosure.