Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$18,635Cash toward the purchase price.
Closing costs + prepaids$12,554Not just lender fees.
Before credits & paid funds$31,189The complete starting cash picture.
Estimated remaining funds due at closing
$31,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,634.81
Your down payment$18,634.81
Closing costs + prepaids$12,554.28
Total buyer cash needed$31,189.09
Remaining funds due$31,189.09
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%)$3,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,604.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$848.75
Prepaid interest, first (27 days)$1,488.20
Fees + prepaids$12,554.28
Your down payment is the seller’s equity. You take over the $320,865 balance, so the rest of the $339,500 price is paid at closing. A second mortgage can cover part of it. $31,189.09 is due at closing. Uses and sources reconcile at $352,054.28 each. Not a Closing Disclosure.