Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$33,129Cash toward the purchase price.
Closing costs + prepaids$11,837Not just lender fees.
Before credits & paid funds$44,966The complete starting cash picture.
Estimated remaining funds due at closing
$44,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,129.40
Your down payment$33,129.40
Closing costs + prepaids$11,836.82
Total buyer cash needed$44,966.22
Remaining funds due$44,966.22
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%)$3,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,419.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$546.50
Prepaid interest, first (28 days)$1,482.97
Fees + prepaids$11,836.82
Your down payment is the seller’s equity. You take over the $283,871 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $44,966.22 is due at closing. Uses and sources reconcile at $328,836.82 each. Not a Closing Disclosure.