Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$2,682Cash toward the purchase price.
Closing costs + prepaids$11,615Not just lender fees.
Before credits & paid funds$14,297The complete starting cash picture.
Estimated remaining funds due at closing
$14,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,682.01
Your down payment$2,682.01
Closing costs + prepaids$11,615.09
Total buyer cash needed$14,297.10
Remaining funds due$14,297.10
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%)$1,736.09
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 (12 days)$742.00
Fees + prepaids$11,615.09
Your down payment is the seller’s equity. You take over the $347,218 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $14,297.10 is due at closing. Uses and sources reconcile at $361,515.09 each. Not a Closing Disclosure.