Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$91,826Cash toward the purchase price.
Closing costs + prepaids$11,447Not just lender fees.
Before credits & paid funds$103,274The complete starting cash picture.
Estimated remaining funds due at closing
$103,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,826.36
Your down payment$91,826.36
Closing costs + prepaids$11,447.45
Total buyer cash needed$103,273.81
Remaining funds due$103,273.81
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%)$1,290.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$137.00
Initial HOA (3 months)$690.00
Prepaid interest, first (29 days)$613.08
Fees + prepaids$11,447.45
Your down payment is the seller’s equity. You take over the $258,074 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $103,273.81 is due at closing. Uses and sources reconcile at $361,347.45 each. Not a Closing Disclosure.