Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$18,239Cash toward the purchase price.
Closing costs + prepaids$12,863Not just lender fees.
Before credits & paid funds$31,102The complete starting cash picture.
Estimated remaining funds due at closing
$31,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,239.44
Your down payment$18,239.44
Closing costs + prepaids$12,862.66
Total buyer cash needed$31,102.10
Remaining funds due$31,102.10
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,658.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$849.75
Initial HOA (3 months)$150.00
Prepaid interest, first (25 days)$1,486.11
Fees + prepaids$12,862.66
Your down payment is the seller’s equity. You take over the $331,761 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $31,102.10 is due at closing. Uses and sources reconcile at $362,862.66 each. Not a Closing Disclosure.