Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$13,076Cash toward the purchase price.
Closing costs + prepaids$12,149Not just lender fees.
Before credits & paid funds$25,225The complete starting cash picture.
Estimated remaining funds due at closing
$25,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,075.86
Your down payment$13,075.86
Closing costs + prepaids$12,149.21
Total buyer cash needed$25,225.07
Remaining funds due$25,225.07
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%)$3,409.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,639.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$246.50
Prepaid interest, first (28 days)$1,635.12
Fees + prepaids$12,149.21
Your down payment is the seller’s equity. You take over the $327,922 balance, so the rest of the $340,998 price is paid at closing. A second mortgage can cover part of it. $25,225.07 is due at closing. Uses and sources reconcile at $353,147.21 each. Not a Closing Disclosure.