Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$16,348Cash toward the purchase price.
Closing costs + prepaids$12,629Not just lender fees.
Before credits & paid funds$28,978The complete starting cash picture.
Estimated remaining funds due at closing
$28,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,348.14
Your down payment$16,348.14
Closing costs + prepaids$12,629.42
Total buyer cash needed$28,977.55
Remaining funds due$28,977.55
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%)$3,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,617.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$965.00
Prepaid interest, first (24 days)$1,429.66
Fees + prepaids$12,629.42
Your down payment is the seller’s equity. You take over the $323,552 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $28,977.55 is due at closing. Uses and sources reconcile at $352,529.42 each. Not a Closing Disclosure.