Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$9,325Cash toward the purchase price.
Closing costs + prepaids$12,470Not just lender fees.
Before credits & paid funds$21,795The complete starting cash picture.
Estimated remaining funds due at closing
$21,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,325.23
Your down payment$9,325.23
Closing costs + prepaids$12,470.00
Total buyer cash needed$21,795.23
Remaining funds due$21,795.23
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%)$1,698.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$449.75
Prepaid interest, first (26 days)$1,613.87
Fees + prepaids$12,470.00
Your down payment is the seller’s equity. You take over the $339,675 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $21,795.23 is due at closing. Uses and sources reconcile at $361,470.00 each. Not a Closing Disclosure.