Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$301,319Cash toward the purchase price.
Closing costs + prepaids$11,170Not just lender fees.
Before credits & paid funds$312,489The complete starting cash picture.
Estimated remaining funds due at closing
$312,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,318.80
Your down payment$301,318.80
Closing costs + prepaids$11,170.09
Total buyer cash needed$312,488.89
Remaining funds due$312,488.89
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%)$3,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$228.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,085.75
Initial HOA (3 months)$37.50
Prepaid interest, first (27 days)$130.44
Fees + prepaids$11,170.09
Your down payment is the seller’s equity. You take over the $45,681 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $312,488.89 is due at closing. Uses and sources reconcile at $358,170.09 each. Not a Closing Disclosure.