Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$24,254Cash toward the purchase price.
Closing costs + prepaids$12,302Not just lender fees.
Before credits & paid funds$36,556The complete starting cash picture.
Estimated remaining funds due at closing
$36,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,254.37
Your down payment$24,254.37
Closing costs + prepaids$12,302.11
Total buyer cash needed$36,556.48
Remaining funds due$36,556.48
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%)$3,499.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,628.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$507.50
Prepaid interest, first (24 days)$1,447.91
Fees + prepaids$12,302.11
Your down payment is the seller’s equity. You take over the $325,744 balance, so the rest of the $349,998 price is paid at closing. A second mortgage can cover part of it. $36,556.48 is due at closing. Uses and sources reconcile at $362,300.11 each. Not a Closing Disclosure.