Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$29,739Cash toward the purchase price.
Closing costs + prepaids$12,382Not just lender fees.
Before credits & paid funds$42,121The complete starting cash picture.
Estimated remaining funds due at closing
$42,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,738.98
Your down payment$29,738.98
Closing costs + prepaids$12,381.59
Total buyer cash needed$42,120.57
Remaining funds due$42,120.57
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%)$3,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,575.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$862.25
Prepaid interest, first (22 days)$1,276.53
Fees + prepaids$12,381.59
Your down payment is the seller’s equity. You take over the $315,161 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $42,120.57 is due at closing. Uses and sources reconcile at $357,281.59 each. Not a Closing Disclosure.