Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$91,938Cash toward the purchase price.
Closing costs + prepaids$11,424Not just lender fees.
Before credits & paid funds$103,362The complete starting cash picture.
Estimated remaining funds due at closing
$103,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,937.62
Your down payment$91,937.62
Closing costs + prepaids$11,424.42
Total buyer cash needed$103,362.05
Remaining funds due$103,362.05
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%)$3,498.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,289.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.75
Initial HOA (3 months)$345.00
Prepaid interest, first (30 days)$636.04
Fees + prepaids$11,424.42
Your down payment is the seller’s equity. You take over the $257,950 balance, so the rest of the $349,888 price is paid at closing. A second mortgage can cover part of it. $103,362.05 is due at closing. Uses and sources reconcile at $361,312.42 each. Not a Closing Disclosure.