Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$41,168Cash toward the purchase price.
Closing costs + prepaids$11,666Not just lender fees.
Before credits & paid funds$52,834The complete starting cash picture.
Estimated remaining funds due at closing
$52,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,168.37
Your down payment$41,168.37
Closing costs + prepaids$11,666.03
Total buyer cash needed$52,834.40
Remaining funds due$52,834.40
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,443.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$166.00
Prepaid interest, first (28 days)$1,539.37
Fees + prepaids$11,666.03
Your down payment is the seller’s equity. You take over the $288,732 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $52,834.40 is due at closing. Uses and sources reconcile at $341,566.03 each. Not a Closing Disclosure.