Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$27,497Cash toward the purchase price.
Closing costs + prepaids$12,149Not just lender fees.
Before credits & paid funds$39,647The complete starting cash picture.
Estimated remaining funds due at closing
$39,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,497.35
Your down payment$27,497.35
Closing costs + prepaids$12,149.47
Total buyer cash needed$39,646.82
Remaining funds due$39,646.82
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%)$3,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,637.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (29 days)$1,745.46
Fees + prepaids$12,149.47
Your down payment is the seller’s equity. You take over the $327,403 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $39,646.82 is due at closing. Uses and sources reconcile at $367,049.47 each. Not a Closing Disclosure.