Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$47,493Cash toward the purchase price.
Closing costs + prepaids$11,909Not just lender fees.
Before credits & paid funds$59,401The complete starting cash picture.
Estimated remaining funds due at closing
$59,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,492.73
Your down payment$47,492.73
Closing costs + prepaids$11,908.66
Total buyer cash needed$59,401.39
Remaining funds due$59,401.39
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,512.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$425.75
Prepaid interest, first (23 days)$1,253.87
Fees + prepaids$11,908.66
Your down payment is the seller’s equity. You take over the $302,407 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $59,401.39 is due at closing. Uses and sources reconcile at $361,808.66 each. Not a Closing Disclosure.