Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,151Cash toward the purchase price.
Closing costs + prepaids$12,050Not just lender fees.
Before credits & paid funds$43,200The complete starting cash picture.
Estimated remaining funds due at closing
$43,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,150.71
Your down payment$31,150.71
Closing costs + prepaids$12,049.70
Total buyer cash needed$43,200.41
Remaining funds due$43,200.41
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%)$3,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,518.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$533.75
Prepaid interest, first (26 days)$1,430.20
Fees + prepaids$12,049.70
Your down payment is the seller’s equity. You take over the $303,749 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $43,200.41 is due at closing. Uses and sources reconcile at $346,949.70 each. Not a Closing Disclosure.