Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,782Cash toward the purchase price.
Closing costs + prepaids$12,248Not just lender fees.
Before credits & paid funds$37,030The complete starting cash picture.
Estimated remaining funds due at closing
$37,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,782.28
Your down payment$24,782.28
Closing costs + prepaids$12,248.02
Total buyer cash needed$37,030.30
Remaining funds due$37,030.30
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%)$1,625.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$416.75
Prepaid interest, first (27 days)$1,488.68
Fees + prepaids$12,248.02
Your down payment is the seller’s equity. You take over the $325,118 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $37,030.30 is due at closing. Uses and sources reconcile at $362,148.02 each. Not a Closing Disclosure.