Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$312,279Cash toward the purchase price.
Closing costs + prepaids$9,434Not just lender fees.
Before credits & paid funds$321,713The complete starting cash picture.
Estimated remaining funds due at closing
$321,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,278.95
Your down payment$312,278.95
Closing costs + prepaids$9,434.20
Total buyer cash needed$321,713.16
Remaining funds due$321,713.16
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%)$188.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$354.00
Prepaid interest, first (31 days)$175.10
Fees + prepaids$9,434.20
Your down payment is the seller’s equity. You take over the $37,621 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $321,713.16 is due at closing. Uses and sources reconcile at $359,334.20 each. Not a Closing Disclosure.