Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$43,846Cash toward the purchase price.
Closing costs + prepaids$12,492Not just lender fees.
Before credits & paid funds$56,338The complete starting cash picture.
Estimated remaining funds due at closing
$56,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,845.59
Your down payment$43,845.59
Closing costs + prepaids$12,492.39
Total buyer cash needed$56,337.98
Remaining funds due$56,337.98
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,425.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$1,308.00
Prepaid interest, first (23 days)$1,250.62
Fees + prepaids$12,492.39
Your down payment is the seller’s equity. You take over the $285,154 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $56,337.98 is due at closing. Uses and sources reconcile at $341,492.39 each. Not a Closing Disclosure.