Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$25,163Cash toward the purchase price.
Closing costs + prepaids$11,554Not just lender fees.
Before credits & paid funds$36,716The complete starting cash picture.
Estimated remaining funds due at closing
$36,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,162.51
Your down payment$25,162.51
Closing costs + prepaids$11,553.89
Total buyer cash needed$36,716.40
Remaining funds due$36,716.40
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%)$1,624.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$132.00
Prepaid interest, first (18 days)$1,079.71
Fees + prepaids$11,553.89
Your down payment is the seller’s equity. You take over the $324,837 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $36,716.40 is due at closing. Uses and sources reconcile at $361,553.89 each. Not a Closing Disclosure.