Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$25,777Cash toward the purchase price.
Closing costs + prepaids$12,526Not just lender fees.
Before credits & paid funds$38,303The complete starting cash picture.
Estimated remaining funds due at closing
$38,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,777.21
Your down payment$25,777.21
Closing costs + prepaids$12,525.52
Total buyer cash needed$38,302.73
Remaining funds due$38,302.73
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%)$1,616.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$264.25
Initial HOA (3 months)$309.00
Prepaid interest, first (29 days)$1,628.16
Fees + prepaids$12,525.52
Your down payment is the seller’s equity. You take over the $323,223 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $38,302.73 is due at closing. Uses and sources reconcile at $361,525.52 each. Not a Closing Disclosure.