Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,622Cash toward the purchase price.
Closing costs + prepaids$12,607Not just lender fees.
Before credits & paid funds$47,229The complete starting cash picture.
Estimated remaining funds due at closing
$47,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,621.83
Your down payment$34,621.83
Closing costs + prepaids$12,606.87
Total buyer cash needed$47,228.69
Remaining funds due$47,228.69
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%)$1,576.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$467.25
Initial HOA (3 months)$258.00
Prepaid interest, first (27 days)$1,588.22
Fees + prepaids$12,606.87
Your down payment is the seller’s equity. You take over the $315,278 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $47,228.69 is due at closing. Uses and sources reconcile at $362,506.87 each. Not a Closing Disclosure.