Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$15,144Cash toward the purchase price.
Closing costs + prepaids$12,119Not just lender fees.
Before credits & paid funds$27,263The complete starting cash picture.
Estimated remaining funds due at closing
$27,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,143.87
Your down payment$15,143.87
Closing costs + prepaids$12,119.32
Total buyer cash needed$27,263.19
Remaining funds due$27,263.19
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%)$1,673.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Prepaid interest, first (22 days)$1,428.54
Fees + prepaids$12,119.32
Your down payment is the seller’s equity. You take over the $334,756 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $27,263.19 is due at closing. Uses and sources reconcile at $362,019.32 each. Not a Closing Disclosure.