Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$84,030Cash toward the purchase price.
Closing costs + prepaids$11,121Not just lender fees.
Before credits & paid funds$95,151The complete starting cash picture.
Estimated remaining funds due at closing
$95,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,030.40
Your down payment$84,030.40
Closing costs + prepaids$11,121.03
Total buyer cash needed$95,151.43
Remaining funds due$95,151.43
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%)$1,329.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$419.25
Initial HOA (3 months)$195.00
Prepaid interest, first (21 days)$460.43
Fees + prepaids$11,121.03
Your down payment is the seller’s equity. You take over the $265,870 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $95,151.43 is due at closing. Uses and sources reconcile at $361,021.03 each. Not a Closing Disclosure.