Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$86,707Cash toward the purchase price.
Closing costs + prepaids$10,249Not just lender fees.
Before credits & paid funds$96,956The complete starting cash picture.
Estimated remaining funds due at closing
$96,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,706.96
Your down payment$86,706.96
Closing costs + prepaids$10,249.07
Total buyer cash needed$96,956.03
Remaining funds due$96,956.03
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%)$3,488.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,310.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$192.25
Prepaid interest, first (2 days)$40.36
Fees + prepaids$10,249.07
Your down payment is the seller’s equity. You take over the $262,093 balance, so the rest of the $348,800 price is paid at closing. A second mortgage can cover part of it. $96,956.03 is due at closing. Uses and sources reconcile at $359,049.07 each. Not a Closing Disclosure.