Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$34,622Cash toward the purchase price.
Closing costs + prepaids$11,560Not just lender fees.
Before credits & paid funds$46,181The complete starting cash picture.
Estimated remaining funds due at closing
$46,181No 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$11,559.62
Total buyer cash needed$46,181.45
Remaining funds due$46,181.45
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%)$3,499.00
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)$420.00
Initial HOA (3 months)$258.00
Prepaid interest, first (10 days)$588.23
Fees + prepaids$11,559.62
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. $46,181.45 is due at closing. Uses and sources reconcile at $361,459.62 each. Not a Closing Disclosure.