Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$85,156Cash toward the purchase price.
Closing costs + prepaids$11,338Not just lender fees.
Before credits & paid funds$96,495The complete starting cash picture.
Estimated remaining funds due at closing
$96,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,156.43
Your down payment$85,156.43
Closing costs + prepaids$11,338.33
Total buyer cash needed$96,494.76
Remaining funds due$96,494.76
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%)$3,475.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,311.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$108.00
Prepaid interest, first (28 days)$1,225.61
Fees + prepaids$11,338.33
Your down payment is the seller’s equity. You take over the $262,344 balance, so the rest of the $347,500 price is paid at closing. A second mortgage can cover part of it. $96,494.76 is due at closing. Uses and sources reconcile at $358,838.33 each. Not a Closing Disclosure.