Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$47,601Cash toward the purchase price.
Closing costs + prepaids$10,944Not just lender fees.
Before credits & paid funds$58,545The complete starting cash picture.
Estimated remaining funds due at closing
$58,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,600.68
Your down payment$47,600.68
Closing costs + prepaids$10,944.28
Total buyer cash needed$58,544.95
Remaining funds due$58,544.95
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,512.00
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)$294.28
Fees + prepaids$10,944.28
Your down payment is the seller’s equity. You take over the $302,399 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $58,544.95 is due at closing. Uses and sources reconcile at $360,944.28 each. Not a Closing Disclosure.