Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$96,394Cash toward the purchase price.
Closing costs + prepaids$10,855Not just lender fees.
Before credits & paid funds$107,248The complete starting cash picture.
Estimated remaining funds due at closing
$107,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,393.85
Your down payment$96,393.85
Closing costs + prepaids$10,854.56
Total buyer cash needed$107,248.40
Remaining funds due$107,248.40
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,268.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Initial HOA (3 months)$87.51
Prepaid interest, first (16 days)$343.51
Fees + prepaids$10,854.56
Your down payment is the seller’s equity. You take over the $253,606 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $107,248.40 is due at closing. Uses and sources reconcile at $360,854.56 each. Not a Closing Disclosure.