Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$70,559Cash toward the purchase price.
Closing costs + prepaids$12,945Not just lender fees.
Before credits & paid funds$83,505The complete starting cash picture.
Estimated remaining funds due at closing
$83,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,559.36
Your down payment$70,559.36
Closing costs + prepaids$12,945.34
Total buyer cash needed$83,504.69
Remaining funds due$83,504.69
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%)$1,396.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,014.00
Initial HOA (3 months)$99.00
Prepaid interest, first (30 days)$718.63
Fees + prepaids$12,945.34
Your down payment is the seller’s equity. You take over the $279,341 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $83,504.69 is due at closing. Uses and sources reconcile at $362,845.34 each. Not a Closing Disclosure.