Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$28,745Cash toward the purchase price.
Closing costs + prepaids$12,686Not just lender fees.
Before credits & paid funds$41,431The complete starting cash picture.
Estimated remaining funds due at closing
$41,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,744.51
Your down payment$28,744.51
Closing costs + prepaids$12,686.20
Total buyer cash needed$41,430.70
Remaining funds due$41,430.70
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%)$1,605.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$874.75
Initial HOA (3 months)$558.99
Prepaid interest, first (18 days)$929.68
Fees + prepaids$12,686.20
Your down payment is the seller’s equity. You take over the $321,155 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $41,430.70 is due at closing. Uses and sources reconcile at $362,586.20 each. Not a Closing Disclosure.