Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,124Cash toward the purchase price.
Closing costs + prepaids$12,742Not just lender fees.
Before credits & paid funds$35,866The complete starting cash picture.
Estimated remaining funds due at closing
$35,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,124.44
Your down payment$23,124.44
Closing costs + prepaids$12,741.62
Total buyer cash needed$35,866.06
Remaining funds due$35,866.06
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%)$1,583.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,249.25
Prepaid interest, first (23 days)$1,291.49
Fees + prepaids$12,741.62
Your down payment is the seller’s equity. You take over the $316,776 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $35,866.06 is due at closing. Uses and sources reconcile at $352,641.62 each. Not a Closing Disclosure.