Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$27,967Cash toward the purchase price.
Closing costs + prepaids$11,464Not just lender fees.
Before credits & paid funds$39,431The complete starting cash picture.
Estimated remaining funds due at closing
$39,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,966.67
Your down payment$27,966.67
Closing costs + prepaids$11,464.47
Total buyer cash needed$39,431.14
Remaining funds due$39,431.14
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%)$3,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,485.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$171.50
Prepaid interest, first (24 days)$1,339.82
Fees + prepaids$11,464.47
Your down payment is the seller’s equity. You take over the $297,032 balance, so the rest of the $324,999 price is paid at closing. A second mortgage can cover part of it. $39,431.14 is due at closing. Uses and sources reconcile at $336,463.47 each. Not a Closing Disclosure.