Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$14,482Cash toward the purchase price.
Closing costs + prepaids$12,621Not just lender fees.
Before credits & paid funds$27,103The complete starting cash picture.
Estimated remaining funds due at closing
$27,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,482.30
Your down payment$14,482.30
Closing costs + prepaids$12,620.84
Total buyer cash needed$27,103.14
Remaining funds due$27,103.14
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,622.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,134.50
Prepaid interest, first (22 days)$1,255.75
Fees + prepaids$12,620.84
Your down payment is the seller’s equity. You take over the $324,518 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $27,103.14 is due at closing. Uses and sources reconcile at $351,620.84 each. Not a Closing Disclosure.