Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$99,366Cash toward the purchase price.
Closing costs + prepaids$12,312Not just lender fees.
Before credits & paid funds$111,679The complete starting cash picture.
Estimated remaining funds due at closing
$111,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,366.47
Your down payment$99,366.47
Closing costs + prepaids$12,312.07
Total buyer cash needed$111,678.54
Remaining funds due$111,678.54
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%)$3,499.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,253.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,029.00
Initial HOA (3 months)$696.00
Prepaid interest, first (30 days)$615.94
Fees + prepaids$12,312.07
Your down payment is the seller’s equity. You take over the $250,632 balance, so the rest of the $349,998 price is paid at closing. A second mortgage can cover part of it. $111,678.54 is due at closing. Uses and sources reconcile at $362,310.07 each. Not a Closing Disclosure.