Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$29,931Cash toward the purchase price.
Closing costs + prepaids$11,854Not just lender fees.
Before credits & paid funds$41,785The complete starting cash picture.
Estimated remaining funds due at closing
$41,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,931.01
Your down payment$29,931.01
Closing costs + prepaids$11,853.67
Total buyer cash needed$41,784.68
Remaining funds due$41,784.68
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%)$1,540.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.50
Initial HOA (3 months)$123.00
Prepaid interest, first (25 days)$1,242.83
Fees + prepaids$11,853.67
Your down payment is the seller’s equity. You take over the $308,069 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $41,784.68 is due at closing. Uses and sources reconcile at $349,853.67 each. Not a Closing Disclosure.