Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,149Cash toward the purchase price.
Closing costs + prepaids$12,471Not just lender fees.
Before credits & paid funds$50,620The complete starting cash picture.
Estimated remaining funds due at closing
$50,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,148.84
Your down payment$38,148.84
Closing costs + prepaids$12,471.41
Total buyer cash needed$50,620.25
Remaining funds due$50,620.25
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%)$3,420.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,519.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$855.00
Prepaid interest, first (28 days)$1,459.15
Fees + prepaids$12,471.41
Your down payment is the seller’s equity. You take over the $303,851 balance, so the rest of the $342,000 price is paid at closing. A second mortgage can cover part of it. $50,620.25 is due at closing. Uses and sources reconcile at $354,471.41 each. Not a Closing Disclosure.