Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$29,058Cash toward the purchase price.
Closing costs + prepaids$12,918Not just lender fees.
Before credits & paid funds$41,977The complete starting cash picture.
Estimated remaining funds due at closing
$41,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,058.25
Your down payment$29,058.25
Closing costs + prepaids$12,918.38
Total buyer cash needed$41,976.63
Remaining funds due$41,976.63
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,479.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,450.00
Prepaid interest, first (30 days)$1,522.17
Fees + prepaids$12,918.38
Your down payment is the seller’s equity. You take over the $295,842 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $41,976.63 is due at closing. Uses and sources reconcile at $337,818.38 each. Not a Closing Disclosure.