Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,852Cash toward the purchase price.
Closing costs + prepaids$12,646Not just lender fees.
Before credits & paid funds$44,498The complete starting cash picture.
Estimated remaining funds due at closing
$44,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,852.18
Your down payment$31,852.18
Closing costs + prepaids$12,645.54
Total buyer cash needed$44,497.72
Remaining funds due$44,497.72
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%)$1,590.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$542.75
Initial HOA (3 months)$219.00
Prepaid interest, first (26 days)$1,575.05
Fees + prepaids$12,645.54
Your down payment is the seller’s equity. You take over the $318,148 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $44,497.72 is due at closing. Uses and sources reconcile at $362,645.54 each. Not a Closing Disclosure.