Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$33,274Cash toward the purchase price.
Closing costs + prepaids$12,308Not just lender fees.
Before credits & paid funds$45,582The complete starting cash picture.
Estimated remaining funds due at closing
$45,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,273.59
Your down payment$33,273.59
Closing costs + prepaids$12,308.16
Total buyer cash needed$45,581.75
Remaining funds due$45,581.75
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,528.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$188.75
Initial HOA (3 months)$540.00
Prepaid interest, first (25 days)$1,442.78
Fees + prepaids$12,308.16
Your down payment is the seller’s equity. You take over the $305,726 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $45,581.75 is due at closing. Uses and sources reconcile at $351,308.16 each. Not a Closing Disclosure.