Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$44,532Cash toward the purchase price.
Closing costs + prepaids$11,281Not just lender fees.
Before credits & paid funds$55,813The complete starting cash picture.
Estimated remaining funds due at closing
$55,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,532.17
Your down payment$44,532.17
Closing costs + prepaids$11,281.30
Total buyer cash needed$55,813.47
Remaining funds due$55,813.47
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%)$1,476.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (22 days)$1,187.46
Fees + prepaids$11,281.30
Your down payment is the seller’s equity. You take over the $295,368 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $55,813.47 is due at closing. Uses and sources reconcile at $351,181.30 each. Not a Closing Disclosure.