Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$28,703Cash toward the purchase price.
Closing costs + prepaids$11,852Not just lender fees.
Before credits & paid funds$40,555The complete starting cash picture.
Estimated remaining funds due at closing
$40,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,702.67
Your down payment$28,702.67
Closing costs + prepaids$11,851.88
Total buyer cash needed$40,554.55
Remaining funds due$40,554.55
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%)$3,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,546.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$643.75
Prepaid interest, first (24 days)$1,063.64
Fees + prepaids$11,851.88
Your down payment is the seller’s equity. You take over the $309,297 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $40,554.55 is due at closing. Uses and sources reconcile at $349,851.88 each. Not a Closing Disclosure.