Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$38,753Cash toward the purchase price.
Closing costs + prepaids$10,605Not just lender fees.
Before credits & paid funds$49,358The complete starting cash picture.
Estimated remaining funds due at closing
$49,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,752.63
Your down payment$38,752.63
Closing costs + prepaids$10,604.98
Total buyer cash needed$49,357.61
Remaining funds due$49,357.61
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%)$1,555.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$213.75
Prepaid interest, first (2 days)$118.49
Fees + prepaids$10,604.98
Your down payment is the seller’s equity. You take over the $311,147 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $49,357.61 is due at closing. Uses and sources reconcile at $360,504.98 each. Not a Closing Disclosure.