Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$27,097Cash toward the purchase price.
Closing costs + prepaids$11,390Not just lender fees.
Before credits & paid funds$38,487The complete starting cash picture.
Estimated remaining funds due at closing
$38,487No 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$11,390.46
Total buyer cash needed$38,487.41
Remaining funds due$38,487.41
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)$420.00
Initial HOA (3 months)$69.99
Prepaid interest, first (10 days)$567.96
Fees + prepaids$11,390.46
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. $38,487.41 is due at closing. Uses and sources reconcile at $361,390.46 each. Not a Closing Disclosure.