Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$11,876Cash toward the purchase price.
Closing costs + prepaids$12,725Not just lender fees.
Before credits & paid funds$24,601The complete starting cash picture.
Estimated remaining funds due at closing
$24,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,876.02
Your down payment$11,876.02
Closing costs + prepaids$12,725.29
Total buyer cash needed$24,601.31
Remaining funds due$24,601.31
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%)$3,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,630.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$841.75
Prepaid interest, first (27 days)$1,654.92
Fees + prepaids$12,725.29
Your down payment is the seller’s equity. You take over the $326,124 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $24,601.31 is due at closing. Uses and sources reconcile at $350,725.29 each. Not a Closing Disclosure.