Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$3,653Cash toward the purchase price.
Closing costs + prepaids$12,796Not just lender fees.
Before credits & paid funds$16,448The complete starting cash picture.
Estimated remaining funds due at closing
$16,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,652.75
Your down payment$3,652.75
Closing costs + prepaids$12,795.71
Total buyer cash needed$16,448.45
Remaining funds due$16,448.45
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%)$3,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,681.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$849.75
Initial HOA (3 months)$110.01
Prepaid interest, first (26 days)$1,537.71
Fees + prepaids$12,795.71
Your down payment is the seller’s equity. You take over the $336,247 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $16,448.45 is due at closing. Uses and sources reconcile at $352,695.71 each. Not a Closing Disclosure.