Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$13,724Cash toward the purchase price.
Closing costs + prepaids$12,829Not just lender fees.
Before credits & paid funds$26,553The complete starting cash picture.
Estimated remaining funds due at closing
$26,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,724.05
Your down payment$13,724.05
Closing costs + prepaids$12,828.51
Total buyer cash needed$26,552.56
Remaining funds due$26,552.56
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%)$3,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,651.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,112.25
Prepaid interest, first (23 days)$1,406.89
Fees + prepaids$12,828.51
Your down payment is the seller’s equity. You take over the $330,276 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $26,552.56 is due at closing. Uses and sources reconcile at $356,828.51 each. Not a Closing Disclosure.