Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$22,816Cash toward the purchase price.
Closing costs + prepaids$12,732Not just lender fees.
Before credits & paid funds$35,548The complete starting cash picture.
Estimated remaining funds due at closing
$35,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,816.21
Your down payment$22,816.21
Closing costs + prepaids$12,731.66
Total buyer cash needed$35,547.87
Remaining funds due$35,547.87
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%)$3,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,635.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$934.75
Initial HOA (3 months)$140.01
Prepaid interest, first (23 days)$1,302.99
Fees + prepaids$12,731.66
Your down payment is the seller’s equity. You take over the $327,183 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $35,547.87 is due at closing. Uses and sources reconcile at $362,730.66 each. Not a Closing Disclosure.