Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$10,642Cash toward the purchase price.
Closing costs + prepaids$11,856Not just lender fees.
Before credits & paid funds$22,499The complete starting cash picture.
Estimated remaining funds due at closing
$22,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,642.24
Your down payment$10,642.24
Closing costs + prepaids$11,856.42
Total buyer cash needed$22,498.66
Remaining funds due$22,498.66
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%)$1,696.79
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)$1,004.13
Fees + prepaids$11,856.42
Your down payment is the seller’s equity. You take over the $339,358 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $22,498.66 is due at closing. Uses and sources reconcile at $361,856.42 each. Not a Closing Disclosure.