Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$40,245Cash toward the purchase price.
Closing costs + prepaids$11,862Not just lender fees.
Before credits & paid funds$52,107The complete starting cash picture.
Estimated remaining funds due at closing
$52,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,244.97
Your down payment$40,244.97
Closing costs + prepaids$11,861.57
Total buyer cash needed$52,106.53
Remaining funds due$52,106.53
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%)$1,548.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$68.76
Prepaid interest, first (27 days)$1,526.03
Fees + prepaids$11,861.57
Your down payment is the seller’s equity. You take over the $309,755 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $52,106.53 is due at closing. Uses and sources reconcile at $361,861.57 each. Not a Closing Disclosure.