Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,453Cash toward the purchase price.
Closing costs + prepaids$12,183Not just lender fees.
Before credits & paid funds$37,636The complete starting cash picture.
Estimated remaining funds due at closing
$37,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,452.94
Your down payment$25,452.94
Closing costs + prepaids$12,183.22
Total buyer cash needed$37,636.16
Remaining funds due$37,636.16
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,522.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$897.00
Prepaid interest, first (23 days)$1,246.98
Fees + prepaids$12,183.22
Your down payment is the seller’s equity. You take over the $304,447 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $37,636.16 is due at closing. Uses and sources reconcile at $342,083.22 each. Not a Closing Disclosure.