Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$39,672Cash toward the purchase price.
Closing costs + prepaids$12,649Not just lender fees.
Before credits & paid funds$52,322The complete starting cash picture.
Estimated remaining funds due at closing
$52,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,672.18
Your down payment$39,672.18
Closing costs + prepaids$12,649.41
Total buyer cash needed$52,321.59
Remaining funds due$52,321.59
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%)$1,551.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$874.75
Prepaid interest, first (25 days)$1,506.52
Fees + prepaids$12,649.41
Your down payment is the seller’s equity. You take over the $310,228 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $52,321.59 is due at closing. Uses and sources reconcile at $362,549.41 each. Not a Closing Disclosure.