Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,543Cash toward the purchase price.
Closing costs + prepaids$13,066Not just lender fees.
Before credits & paid funds$48,609The complete starting cash picture.
Estimated remaining funds due at closing
$48,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,543.34
Your down payment$35,543.34
Closing costs + prepaids$13,065.94
Total buyer cash needed$48,609.28
Remaining funds due$48,609.28
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%)$1,571.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$874.75
Initial HOA (3 months)$293.25
Prepaid interest, first (27 days)$1,609.16
Fees + prepaids$13,065.94
Your down payment is the seller’s equity. You take over the $314,357 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $48,609.28 is due at closing. Uses and sources reconcile at $362,965.94 each. Not a Closing Disclosure.