Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$27,097Cash toward the purchase price.
Closing costs + prepaids$12,655Not just lender fees.
Before credits & paid funds$39,752The complete starting cash picture.
Estimated remaining funds due at closing
$39,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,096.95
Your down payment$27,096.95
Closing costs + prepaids$12,654.99
Total buyer cash needed$39,751.93
Remaining funds due$39,751.93
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%)$1,614.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$719.00
Initial HOA (3 months)$69.99
Prepaid interest, first (27 days)$1,533.48
Fees + prepaids$12,654.99
Your down payment is the seller’s equity. You take over the $322,903 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $39,751.93 is due at closing. Uses and sources reconcile at $362,654.99 each. Not a Closing Disclosure.