Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$31,385Cash toward the purchase price.
Closing costs + prepaids$12,205Not just lender fees.
Before credits & paid funds$43,590The complete starting cash picture.
Estimated remaining funds due at closing
$43,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,385.00
Your down payment$31,385.00
Closing costs + prepaids$12,204.87
Total buyer cash needed$43,589.87
Remaining funds due$43,589.87
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%)$3,265.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,475.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$892.00
Prepaid interest, first (25 days)$1,354.29
Fees + prepaids$12,204.87
Your down payment is the seller’s equity. You take over the $295,115 balance, so the rest of the $326,500 price is paid at closing. A second mortgage can cover part of it. $43,589.87 is due at closing. Uses and sources reconcile at $338,704.87 each. Not a Closing Disclosure.