Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$34,341Cash toward the purchase price.
Closing costs + prepaids$11,622Not just lender fees.
Before credits & paid funds$45,963The complete starting cash picture.
Estimated remaining funds due at closing
$45,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,340.80
Your down payment$34,340.80
Closing costs + prepaids$11,621.76
Total buyer cash needed$45,962.56
Remaining funds due$45,962.56
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%)$3,229.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,442.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,078.00
Prepaid interest, first (22 days)$653.96
Fees + prepaids$11,621.76
Your down payment is the seller’s equity. You take over the $288,559 balance, so the rest of the $322,900 price is paid at closing. A second mortgage can cover part of it. $45,962.56 is due at closing. Uses and sources reconcile at $334,521.76 each. Not a Closing Disclosure.