Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,700Cash toward the purchase price.
Closing costs + prepaids$12,449Not just lender fees.
Before credits & paid funds$25,149The complete starting cash picture.
Estimated remaining funds due at closing
$25,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,700.14
Your down payment$12,700.14
Closing costs + prepaids$12,449.08
Total buyer cash needed$25,149.22
Remaining funds due$25,149.22
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%)$3,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,671.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.75
Prepaid interest, first (27 days)$1,703.83
Fees + prepaids$12,449.08
Your down payment is the seller’s equity. You take over the $334,300 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $25,149.22 is due at closing. Uses and sources reconcile at $359,449.08 each. Not a Closing Disclosure.