Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$25,147Cash toward the purchase price.
Closing costs + prepaids$14,058Not just lender fees.
Before credits & paid funds$39,205The complete starting cash picture.
Estimated remaining funds due at closing
$39,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,147.19
Your down payment$25,147.19
Closing costs + prepaids$14,057.97
Total buyer cash needed$39,205.16
Remaining funds due$39,205.16
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%)$1,623.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,641.25
Prepaid interest, first (29 days)$1,075.95
Fees + prepaids$14,057.97
Your down payment is the seller’s equity. You take over the $324,753 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $39,205.16 is due at closing. Uses and sources reconcile at $363,957.97 each. Not a Closing Disclosure.