Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,709Cash toward the purchase price.
Closing costs + prepaids$13,314Not just lender fees.
Before credits & paid funds$37,023The complete starting cash picture.
Estimated remaining funds due at closing
$37,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,708.95
Your down payment$23,708.95
Closing costs + prepaids$13,314.07
Total buyer cash needed$37,023.03
Remaining funds due$37,023.03
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,626.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$62.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (31 days)$1,867.62
Fees + prepaids$13,314.07
Your down payment is the seller’s equity. You take over the $325,291 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $37,023.03 is due at closing. Uses and sources reconcile at $362,314.07 each. Not a Closing Disclosure.