Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$287,095Cash toward the purchase price.
Closing costs + prepaids$9,602Not just lender fees.
Before credits & paid funds$296,697The complete starting cash picture.
Estimated remaining funds due at closing
$296,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,095.12
Your down payment$287,095.12
Closing costs + prepaids$9,602.12
Total buyer cash needed$296,697.24
Remaining funds due$296,697.24
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%)$312.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$323.75
Prepaid interest, first (31 days)$253.35
Fees + prepaids$9,602.12
Your down payment is the seller’s equity. You take over the $62,405 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $296,697.24 is due at closing. Uses and sources reconcile at $359,102.12 each. Not a Closing Disclosure.