Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,877Cash toward the purchase price.
Closing costs + prepaids$11,445Not just lender fees.
Before credits & paid funds$64,322The complete starting cash picture.
Estimated remaining funds due at closing
$64,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,876.77
Your down payment$52,876.77
Closing costs + prepaids$11,445.03
Total buyer cash needed$64,321.80
Remaining funds due$64,321.80
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,480.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$20.00
Prepaid interest, first (24 days)$1,236.42
Fees + prepaids$11,445.03
Your down payment is the seller’s equity. You take over the $296,123 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $64,321.80 is due at closing. Uses and sources reconcile at $360,445.03 each. Not a Closing Disclosure.