Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$21,683Cash toward the purchase price.
Closing costs + prepaids$11,632Not just lender fees.
Before credits & paid funds$33,315The complete starting cash picture.
Estimated remaining funds due at closing
$33,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,683.15
Your down payment$21,683.15
Closing costs + prepaids$11,631.50
Total buyer cash needed$33,314.65
Remaining funds due$33,314.65
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%)$1,641.08
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 (16 days)$835.92
Fees + prepaids$11,631.50
Your down payment is the seller’s equity. You take over the $328,217 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $33,314.65 is due at closing. Uses and sources reconcile at $361,531.50 each. Not a Closing Disclosure.