Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,033Cash toward the purchase price.
Closing costs + prepaids$12,052Not just lender fees.
Before credits & paid funds$44,085The complete starting cash picture.
Estimated remaining funds due at closing
$44,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,032.77
Your down payment$32,032.77
Closing costs + prepaids$12,051.95
Total buyer cash needed$44,084.72
Remaining funds due$44,084.72
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%)$3,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,589.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$589.00
Prepaid interest, first (26 days)$1,155.13
Fees + prepaids$12,051.95
Your down payment is the seller’s equity. You take over the $317,966 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $44,084.72 is due at closing. Uses and sources reconcile at $362,050.95 each. Not a Closing Disclosure.