Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$74,530Cash toward the purchase price.
Closing costs + prepaids$11,217Not just lender fees.
Before credits & paid funds$85,747The complete starting cash picture.
Estimated remaining funds due at closing
$85,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,529.92
Your down payment$74,529.92
Closing costs + prepaids$11,216.83
Total buyer cash needed$85,746.75
Remaining funds due$85,746.75
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%)$1,376.85
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 (14 days)$685.48
Fees + prepaids$11,216.83
Your down payment is the seller’s equity. You take over the $275,370 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $85,746.75 is due at closing. Uses and sources reconcile at $361,116.83 each. Not a Closing Disclosure.