Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$43,012Cash toward the purchase price.
Closing costs + prepaids$11,381Not just lender fees.
Before credits & paid funds$54,392The complete starting cash picture.
Estimated remaining funds due at closing
$54,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,011.57
Your down payment$43,011.57
Closing costs + prepaids$11,380.73
Total buyer cash needed$54,392.30
Remaining funds due$54,392.30
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%)$1,534.44
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)$709.29
Fees + prepaids$11,380.73
Your down payment is the seller’s equity. You take over the $306,888 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $54,392.30 is due at closing. Uses and sources reconcile at $361,280.73 each. Not a Closing Disclosure.