Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$5,623Cash toward the purchase price.
Closing costs + prepaids$12,837Not just lender fees.
Before credits & paid funds$18,460The complete starting cash picture.
Estimated remaining funds due at closing
$18,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,622.75
Your down payment$5,622.75
Closing costs + prepaids$12,836.81
Total buyer cash needed$18,459.56
Remaining funds due$18,459.56
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%)$1,721.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$651.75
Initial HOA (3 months)$69.24
Prepaid interest, first (26 days)$1,677.43
Fees + prepaids$12,836.81
Your down payment is the seller’s equity. You take over the $344,277 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $18,459.56 is due at closing. Uses and sources reconcile at $362,736.81 each. Not a Closing Disclosure.