Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$90,363Cash toward the purchase price.
Closing costs + prepaids$11,088Not just lender fees.
Before credits & paid funds$101,451The complete starting cash picture.
Estimated remaining funds due at closing
$101,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,362.75
Your down payment$90,362.75
Closing costs + prepaids$11,088.18
Total buyer cash needed$101,450.93
Remaining funds due$101,450.93
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%)$1,278.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$308.25
Initial HOA (3 months)$264.00
Prepaid interest, first (27 days)$559.74
Fees + prepaids$11,088.18
Your down payment is the seller’s equity. You take over the $255,637 balance, so the rest of the $346,000 price is paid at closing. A second mortgage can cover part of it. $101,450.93 is due at closing. Uses and sources reconcile at $357,088.18 each. Not a Closing Disclosure.