Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,754Cash toward the purchase price.
Closing costs + prepaids$12,542Not just lender fees.
Before credits & paid funds$38,296The complete starting cash picture.
Estimated remaining funds due at closing
$38,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,753.80
Your down payment$25,753.80
Closing costs + prepaids$12,541.75
Total buyer cash needed$38,295.55
Remaining funds due$38,295.55
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%)$1,616.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$900.50
Initial HOA (3 months)$37.50
Prepaid interest, first (24 days)$1,279.52
Fees + prepaids$12,541.75
Your down payment is the seller’s equity. You take over the $323,246 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $38,295.55 is due at closing. Uses and sources reconcile at $361,541.75 each. Not a Closing Disclosure.