Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,722Cash toward the purchase price.
Closing costs + prepaids$12,862Not just lender fees.
Before credits & paid funds$57,584The complete starting cash picture.
Estimated remaining funds due at closing
$57,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,721.98
Your down payment$44,721.98
Closing costs + prepaids$12,862.23
Total buyer cash needed$57,584.22
Remaining funds due$57,584.22
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%)$1,526.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$944.25
Prepaid interest, first (30 days)$1,673.59
Fees + prepaids$12,862.23
Your down payment is the seller’s equity. You take over the $305,278 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $57,584.22 is due at closing. Uses and sources reconcile at $362,862.23 each. Not a Closing Disclosure.