Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$47,493Cash toward the purchase price.
Closing costs + prepaids$11,375Not just lender fees.
Before credits & paid funds$58,868The complete starting cash picture.
Estimated remaining funds due at closing
$58,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,492.73
Your down payment$47,492.73
Closing costs + prepaids$11,375.25
Total buyer cash needed$58,867.98
Remaining funds due$58,867.98
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%)$1,512.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Prepaid interest, first (13 days)$708.71
Fees + prepaids$11,375.25
Your down payment is the seller’s equity. You take over the $302,407 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $58,867.98 is due at closing. Uses and sources reconcile at $361,275.25 each. Not a Closing Disclosure.