Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,140Cash toward the purchase price.
Closing costs + prepaids$11,886Not just lender fees.
Before credits & paid funds$57,026The complete starting cash picture.
Estimated remaining funds due at closing
$57,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,139.98
Your down payment$45,139.98
Closing costs + prepaids$11,885.60
Total buyer cash needed$57,025.58
Remaining funds due$57,025.58
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%)$1,523.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$380.00
Prepaid interest, first (28 days)$1,264.80
Fees + prepaids$11,885.60
Your down payment is the seller’s equity. You take over the $304,760 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $57,025.58 is due at closing. Uses and sources reconcile at $361,785.60 each. Not a Closing Disclosure.