Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$34,602Cash toward the purchase price.
Closing costs + prepaids$12,391Not just lender fees.
Before credits & paid funds$46,993The complete starting cash picture.
Estimated remaining funds due at closing
$46,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,602.18
Your down payment$34,602.18
Closing costs + prepaids$12,391.13
Total buyer cash needed$46,993.31
Remaining funds due$46,993.31
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%)$3,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,524.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,196.00
Prepaid interest, first (2 days)$57.64
Fees + prepaids$12,391.13
Your down payment is the seller’s equity. You take over the $304,898 balance, so the rest of the $339,500 price is paid at closing. A second mortgage can cover part of it. $46,993.31 is due at closing. Uses and sources reconcile at $351,891.13 each. Not a Closing Disclosure.