Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$41,570Cash toward the purchase price.
Closing costs + prepaids$12,039Not just lender fees.
Before credits & paid funds$53,609The complete starting cash picture.
Estimated remaining funds due at closing
$53,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,569.63
Your down payment$41,569.63
Closing costs + prepaids$12,039.17
Total buyer cash needed$53,608.80
Remaining funds due$53,608.80
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,542.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$663.00
Initial HOA (3 months)$90.00
Prepaid interest, first (26 days)$1,026.02
Fees + prepaids$12,039.17
Your down payment is the seller’s equity. You take over the $308,430 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $53,608.80 is due at closing. Uses and sources reconcile at $362,039.17 each. Not a Closing Disclosure.