Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$84,567Cash toward the purchase price.
Closing costs + prepaids$10,828Not just lender fees.
Before credits & paid funds$95,395The complete starting cash picture.
Estimated remaining funds due at closing
$95,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,567.21
Your down payment$84,567.21
Closing costs + prepaids$10,827.77
Total buyer cash needed$95,394.98
Remaining funds due$95,394.98
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%)$1,326.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Prepaid interest, first (16 days)$346.60
Fees + prepaids$10,827.77
Your down payment is the seller’s equity. You take over the $265,333 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $95,394.98 is due at closing. Uses and sources reconcile at $360,727.77 each. Not a Closing Disclosure.