Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$112,258Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$123,174The complete starting cash picture.
Estimated remaining funds due at closing
$123,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,258.48
Your down payment$112,258.48
Closing costs + prepaids$10,915.42
Total buyer cash needed$123,173.90
Remaining funds due$123,173.90
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%)$3,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,178.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$552.25
Initial HOA (3 months)$84.99
Prepaid interest, first (21 days)$401.47
Fees + prepaids$10,915.42
Your down payment is the seller’s equity. You take over the $235,742 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $123,173.90 is due at closing. Uses and sources reconcile at $358,915.42 each. Not a Closing Disclosure.