Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$74,092Cash toward the purchase price.
Closing costs + prepaids$11,105Not just lender fees.
Before credits & paid funds$85,197The complete starting cash picture.
Estimated remaining funds due at closing
$85,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,091.63
Your down payment$74,091.63
Closing costs + prepaids$11,105.36
Total buyer cash needed$85,196.99
Remaining funds due$85,196.99
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%)$3,460.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,359.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$415.25
Initial HOA (3 months)$441.00
Prepaid interest, first (10 days)$211.57
Fees + prepaids$11,105.36
Your down payment is the seller’s equity. You take over the $271,908 balance, so the rest of the $346,000 price is paid at closing. A second mortgage can cover part of it. $85,196.99 is due at closing. Uses and sources reconcile at $357,105.36 each. Not a Closing Disclosure.