Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$39,350Cash toward the purchase price.
Closing costs + prepaids$11,850Not just lender fees.
Before credits & paid funds$51,200The complete starting cash picture.
Estimated remaining funds due at closing
$51,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,350.28
Your down payment$39,350.28
Closing costs + prepaids$11,850.12
Total buyer cash needed$51,200.40
Remaining funds due$51,200.40
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%)$3,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,503.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$565.75
Prepaid interest, first (27 days)$1,163.14
Fees + prepaids$11,850.12
Your down payment is the seller’s equity. You take over the $300,649 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $51,200.40 is due at closing. Uses and sources reconcile at $351,849.12 each. Not a Closing Disclosure.