Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$36,875Cash toward the purchase price.
Closing costs + prepaids$12,149Not just lender fees.
Before credits & paid funds$49,024The complete starting cash picture.
Estimated remaining funds due at closing
$49,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,875.04
Your down payment$36,875.04
Closing costs + prepaids$12,149.05
Total buyer cash needed$49,024.10
Remaining funds due$49,024.10
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%)$3,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$628.75
Initial HOA (3 months)$105.00
Prepaid interest, first (23 days)$1,281.68
Fees + prepaids$12,149.05
Your down payment is the seller’s equity. You take over the $303,125 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $49,024.10 is due at closing. Uses and sources reconcile at $352,149.05 each. Not a Closing Disclosure.