Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,429Cash toward the purchase price.
Closing costs + prepaids$12,394Not just lender fees.
Before credits & paid funds$43,823The complete starting cash picture.
Estimated remaining funds due at closing
$43,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,429.02
Your down payment$31,429.02
Closing costs + prepaids$12,393.69
Total buyer cash needed$43,822.71
Remaining funds due$43,822.71
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%)$3,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,517.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$503.00
Initial HOA (3 months)$131.01
Prepaid interest, first (31 days)$1,675.33
Fees + prepaids$12,393.69
Your down payment is the seller’s equity. You take over the $303,471 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $43,822.71 is due at closing. Uses and sources reconcile at $347,293.69 each. Not a Closing Disclosure.