Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,534Cash toward the purchase price.
Closing costs + prepaids$11,861Not just lender fees.
Before credits & paid funds$38,395The complete starting cash picture.
Estimated remaining funds due at closing
$38,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,534.49
Your down payment$26,534.49
Closing costs + prepaids$11,860.62
Total buyer cash needed$38,395.11
Remaining funds due$38,395.11
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%)$3,319.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,526.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$471.00
Prepaid interest, first (23 days)$1,325.79
Fees + prepaids$11,860.62
Your down payment is the seller’s equity. You take over the $305,366 balance, so the rest of the $331,900 price is paid at closing. A second mortgage can cover part of it. $38,395.11 is due at closing. Uses and sources reconcile at $343,760.62 each. Not a Closing Disclosure.