Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$96,535Cash toward the purchase price.
Closing costs + prepaids$10,521Not just lender fees.
Before credits & paid funds$107,056The complete starting cash picture.
Estimated remaining funds due at closing
$107,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,535.39
Your down payment$96,535.39
Closing costs + prepaids$10,520.86
Total buyer cash needed$107,056.24
Remaining funds due$107,056.24
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%)$1,266.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Prepaid interest, first (6 days)$117.03
Fees + prepaids$10,520.86
Your down payment is the seller’s equity. You take over the $253,365 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $107,056.24 is due at closing. Uses and sources reconcile at $360,420.86 each. Not a Closing Disclosure.