Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$46,542Cash toward the purchase price.
Closing costs + prepaids$12,534Not just lender fees.
Before credits & paid funds$59,076The complete starting cash picture.
Estimated remaining funds due at closing
$59,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,541.85
Your down payment$46,541.85
Closing costs + prepaids$12,534.23
Total buyer cash needed$59,076.08
Remaining funds due$59,076.08
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,462.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,490.25
Prepaid interest, first (31 days)$973.69
Fees + prepaids$12,534.23
Your down payment is the seller’s equity. You take over the $292,458 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $59,076.08 is due at closing. Uses and sources reconcile at $351,534.23 each. Not a Closing Disclosure.