Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$39,703Cash toward the purchase price.
Closing costs + prepaids$12,224Not just lender fees.
Before credits & paid funds$51,927The complete starting cash picture.
Estimated remaining funds due at closing
$51,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,703.43
Your down payment$39,703.43
Closing costs + prepaids$12,223.66
Total buyer cash needed$51,927.09
Remaining funds due$51,927.09
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%)$1,500.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$915.50
Prepaid interest, first (29 days)$1,190.18
Fees + prepaids$12,223.66
Your down payment is the seller’s equity. You take over the $300,197 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $51,927.09 is due at closing. Uses and sources reconcile at $352,123.66 each. Not a Closing Disclosure.