Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$34,662Cash toward the purchase price.
Closing costs + prepaids$12,668Not just lender fees.
Before credits & paid funds$47,329The complete starting cash picture.
Estimated remaining funds due at closing
$47,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,661.66
Your down payment$34,661.66
Closing costs + prepaids$12,667.66
Total buyer cash needed$47,329.32
Remaining funds due$47,329.32
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%)$3,168.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,411.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$856.25
Initial HOA (3 months)$771.00
Prepaid interest, first (29 days)$1,242.29
Fees + prepaids$12,667.66
Your down payment is the seller’s equity. You take over the $282,233 balance, so the rest of the $316,895 price is paid at closing. A second mortgage can cover part of it. $47,329.32 is due at closing. Uses and sources reconcile at $329,562.66 each. Not a Closing Disclosure.