Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,207Cash toward the purchase price.
Closing costs + prepaids$13,982Not just lender fees.
Before credits & paid funds$36,189The complete starting cash picture.
Estimated remaining funds due at closing
$36,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,206.63
Your down payment$22,206.63
Closing costs + prepaids$13,982.18
Total buyer cash needed$36,188.81
Remaining funds due$36,188.81
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,638.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,714.75
Initial HOA (3 months)$24.99
Prepaid interest, first (31 days)$1,886.98
Fees + prepaids$13,982.18
Your down payment is the seller’s equity. You take over the $327,693 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $36,188.81 is due at closing. Uses and sources reconcile at $363,882.18 each. Not a Closing Disclosure.