Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$41,360Cash toward the purchase price.
Closing costs + prepaids$12,763Not just lender fees.
Before credits & paid funds$54,123The complete starting cash picture.
Estimated remaining funds due at closing
$54,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,360.49
Your down payment$41,360.49
Closing costs + prepaids$12,762.91
Total buyer cash needed$54,123.39
Remaining funds due$54,123.39
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%)$1,543.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,371.75
Prepaid interest, first (23 days)$1,129.96
Fees + prepaids$12,762.91
Your down payment is the seller’s equity. You take over the $308,640 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $54,123.39 is due at closing. Uses and sources reconcile at $362,762.91 each. Not a Closing Disclosure.