Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$42,169Cash toward the purchase price.
Closing costs + prepaids$11,889Not just lender fees.
Before credits & paid funds$54,059The complete starting cash picture.
Estimated remaining funds due at closing
$54,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,169.19
Your down payment$42,169.19
Closing costs + prepaids$11,889.38
Total buyer cash needed$54,058.57
Remaining funds due$54,058.57
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%)$3,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,539.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$754.50
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$622.74
Fees + prepaids$11,889.38
Your down payment is the seller’s equity. You take over the $307,830 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $54,058.57 is due at closing. Uses and sources reconcile at $361,888.38 each. Not a Closing Disclosure.