Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$39,072Cash toward the purchase price.
Closing costs + prepaids$11,283Not just lender fees.
Before credits & paid funds$50,355The complete starting cash picture.
Estimated remaining funds due at closing
$50,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,071.75
Your down payment$39,071.75
Closing costs + prepaids$11,282.99
Total buyer cash needed$50,354.74
Remaining funds due$50,354.74
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%)$1,554.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Prepaid interest, first (10 days)$591.85
Fees + prepaids$11,282.99
Your down payment is the seller’s equity. You take over the $310,828 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $50,354.74 is due at closing. Uses and sources reconcile at $361,182.99 each. Not a Closing Disclosure.