Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$47,601Cash toward the purchase price.
Closing costs + prepaids$10,797Not just lender fees.
Before credits & paid funds$58,398The complete starting cash picture.
Estimated remaining funds due at closing
$58,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,600.68
Your down payment$47,600.68
Closing costs + prepaids$10,797.14
Total buyer cash needed$58,397.81
Remaining funds due$58,397.81
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%)$1,512.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Prepaid interest, first (6 days)$147.14
Fees + prepaids$10,797.14
Your down payment is the seller’s equity. You take over the $302,399 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $58,397.81 is due at closing. Uses and sources reconcile at $360,797.14 each. Not a Closing Disclosure.