Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,765Cash toward the purchase price.
Closing costs + prepaids$12,193Not just lender fees.
Before credits & paid funds$45,959The complete starting cash picture.
Estimated remaining funds due at closing
$45,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,765.49
Your down payment$33,765.49
Closing costs + prepaids$12,193.25
Total buyer cash needed$45,958.74
Remaining funds due$45,958.74
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%)$3,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,530.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$322.00
Prepaid interest, first (30 days)$1,723.58
Fees + prepaids$12,193.25
Your down payment is the seller’s equity. You take over the $306,135 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $45,958.74 is due at closing. Uses and sources reconcile at $352,093.25 each. Not a Closing Disclosure.