Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$52,581Cash toward the purchase price.
Closing costs + prepaids$10,313Not just lender fees.
Before credits & paid funds$62,895The complete starting cash picture.
Estimated remaining funds due at closing
$62,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,581.30
Your down payment$52,581.30
Closing costs + prepaids$10,313.23
Total buyer cash needed$62,894.53
Remaining funds due$62,894.53
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%)$1,482.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$20.00
Prepaid interest, first (2 days)$103.14
Fees + prepaids$10,313.23
Your down payment is the seller’s equity. You take over the $296,419 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $62,894.53 is due at closing. Uses and sources reconcile at $359,313.23 each. Not a Closing Disclosure.