Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$101,976Cash toward the purchase price.
Closing costs + prepaids$10,540Not just lender fees.
Before credits & paid funds$112,516The complete starting cash picture.
Estimated remaining funds due at closing
$112,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,975.85
Your down payment$101,975.85
Closing costs + prepaids$10,540.34
Total buyer cash needed$112,516.18
Remaining funds due$112,516.18
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%)$1,235.12
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 (9 days)$178.47
Fees + prepaids$10,540.34
Your down payment is the seller’s equity. You take over the $247,024 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $112,516.18 is due at closing. Uses and sources reconcile at $359,540.34 each. Not a Closing Disclosure.