Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$20,809Cash toward the purchase price.
Closing costs + prepaids$12,135Not just lender fees.
Before credits & paid funds$32,944The complete starting cash picture.
Estimated remaining funds due at closing
$32,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,809.49
Your down payment$20,809.49
Closing costs + prepaids$12,134.97
Total buyer cash needed$32,944.45
Remaining funds due$32,944.45
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%)$1,645.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$129.75
Prepaid interest, first (27 days)$1,641.26
Fees + prepaids$12,134.97
Your down payment is the seller’s equity. You take over the $329,191 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $32,944.45 is due at closing. Uses and sources reconcile at $362,134.97 each. Not a Closing Disclosure.