Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$241,165Cash toward the purchase price.
Closing costs + prepaids$9,734Not just lender fees.
Before credits & paid funds$250,899The complete starting cash picture.
Estimated remaining funds due at closing
$250,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,165.46
Your down payment$241,165.46
Closing costs + prepaids$9,734.00
Total buyer cash needed$250,899.46
Remaining funds due$250,899.46
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%)$3,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$529.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$416.50
Prepaid interest, first (10 days)$100.33
Fees + prepaids$9,734.00
Your down payment is the seller’s equity. You take over the $105,835 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $250,899.46 is due at closing. Uses and sources reconcile at $356,734.00 each. Not a Closing Disclosure.