Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$12,506Cash toward the purchase price.
Closing costs + prepaids$14,307Not just lender fees.
Before credits & paid funds$26,813The complete starting cash picture.
Estimated remaining funds due at closing
$26,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,505.68
Your down payment$12,505.68
Closing costs + prepaids$14,306.89
Total buyer cash needed$26,812.56
Remaining funds due$26,812.56
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%)$3,399.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,637.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,475.50
Prepaid interest, first (25 days)$1,576.67
Fees + prepaids$14,306.89
Your down payment is the seller’s equity. You take over the $327,444 balance, so the rest of the $339,950 price is paid at closing. A second mortgage can cover part of it. $26,812.56 is due at closing. Uses and sources reconcile at $354,256.89 each. Not a Closing Disclosure.