Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$86,407Cash toward the purchase price.
Closing costs + prepaids$10,454Not just lender fees.
Before credits & paid funds$96,861The complete starting cash picture.
Estimated remaining funds due at closing
$96,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,406.77
Your down payment$86,406.77
Closing costs + prepaids$10,454.19
Total buyer cash needed$96,860.96
Remaining funds due$96,860.96
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%)$3,420.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,277.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$410.50
Prepaid interest, first (6 days)$127.73
Fees + prepaids$10,454.19
Your down payment is the seller’s equity. You take over the $255,593 balance, so the rest of the $342,000 price is paid at closing. A second mortgage can cover part of it. $96,860.96 is due at closing. Uses and sources reconcile at $352,454.19 each. Not a Closing Disclosure.