Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$40,571Cash toward the purchase price.
Closing costs + prepaids$11,907Not just lender fees.
Before credits & paid funds$52,478The complete starting cash picture.
Estimated remaining funds due at closing
$52,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,570.66
Your down payment$40,570.66
Closing costs + prepaids$11,906.94
Total buyer cash needed$52,477.60
Remaining funds due$52,477.60
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%)$3,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,517.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (31 days)$1,731.79
Fees + prepaids$11,906.94
Your down payment is the seller’s equity. You take over the $303,429 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $52,477.60 is due at closing. Uses and sources reconcile at $355,906.94 each. Not a Closing Disclosure.