Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$34,850Cash toward the purchase price.
Closing costs + prepaids$11,941Not just lender fees.
Before credits & paid funds$46,791The complete starting cash picture.
Estimated remaining funds due at closing
$46,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,849.86
Your down payment$34,849.86
Closing costs + prepaids$11,941.36
Total buyer cash needed$46,791.22
Remaining funds due$46,791.22
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%)$3,279.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,465.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$611.25
Initial HOA (3 months)$90.00
Prepaid interest, first (23 days)$1,277.86
Fees + prepaids$11,941.36
Your down payment is the seller’s equity. You take over the $293,050 balance, so the rest of the $327,900 price is paid at closing. A second mortgage can cover part of it. $46,791.22 is due at closing. Uses and sources reconcile at $339,841.36 each. Not a Closing Disclosure.