Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$6,516Cash toward the purchase price.
Closing costs + prepaids$12,437Not just lender fees.
Before credits & paid funds$18,953The complete starting cash picture.
Estimated remaining funds due at closing
$18,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,515.97
Your down payment$6,515.97
Closing costs + prepaids$12,436.77
Total buyer cash needed$18,952.74
Remaining funds due$18,952.74
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%)$1,717.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,105.75
Prepaid interest, first (31 days)$895.60
Fees + prepaids$12,436.77
Your down payment is the seller’s equity. You take over the $343,484 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $18,952.74 is due at closing. Uses and sources reconcile at $362,436.77 each. Not a Closing Disclosure.