Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$251,464Cash toward the purchase price.
Closing costs + prepaids$9,705Not just lender fees.
Before credits & paid funds$261,169The complete starting cash picture.
Estimated remaining funds due at closing
$261,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,464.08
Your down payment$251,464.08
Closing costs + prepaids$9,705.02
Total buyer cash needed$261,169.10
Remaining funds due$261,169.10
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$487.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$418.75
Prepaid interest, first (10 days)$90.59
Fees + prepaids$9,705.02
Your down payment is the seller’s equity. You take over the $97,536 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $261,169.10 is due at closing. Uses and sources reconcile at $358,705.02 each. Not a Closing Disclosure.