Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$39,072Cash toward the purchase price.
Closing costs + prepaids$11,224Not just lender fees.
Before credits & paid funds$50,296The complete starting cash picture.
Estimated remaining funds due at closing
$50,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,071.75
Your down payment$39,071.75
Closing costs + prepaids$11,223.81
Total buyer cash needed$50,295.55
Remaining funds due$50,295.55
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,554.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Prepaid interest, first (9 days)$532.67
Fees + prepaids$11,223.81
Your down payment is the seller’s equity. You take over the $310,828 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $50,295.55 is due at closing. Uses and sources reconcile at $361,123.81 each. Not a Closing Disclosure.