Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,295Cash toward the purchase price.
Closing costs + prepaids$11,891Not just lender fees.
Before credits & paid funds$43,186The complete starting cash picture.
Estimated remaining funds due at closing
$43,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,294.90
Your down payment$31,294.90
Closing costs + prepaids$11,891.46
Total buyer cash needed$43,186.36
Remaining funds due$43,186.36
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%)$3,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,506.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Prepaid interest, first (26 days)$1,362.44
Fees + prepaids$11,891.46
Your down payment is the seller’s equity. You take over the $301,205 balance, so the rest of the $332,500 price is paid at closing. A second mortgage can cover part of it. $43,186.36 is due at closing. Uses and sources reconcile at $344,391.46 each. Not a Closing Disclosure.