Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$15,319Cash toward the purchase price.
Closing costs + prepaids$11,899Not just lender fees.
Before credits & paid funds$27,218The complete starting cash picture.
Estimated remaining funds due at closing
$27,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,318.76
Your down payment$15,318.76
Closing costs + prepaids$11,898.99
Total buyer cash needed$27,217.76
Remaining funds due$27,217.76
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,668.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.25
Prepaid interest, first (17 days)$1,086.34
Fees + prepaids$11,898.99
Your down payment is the seller’s equity. You take over the $333,681 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $27,217.76 is due at closing. Uses and sources reconcile at $360,898.99 each. Not a Closing Disclosure.