Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$47,854Cash toward the purchase price.
Closing costs + prepaids$11,780Not just lender fees.
Before credits & paid funds$59,633The complete starting cash picture.
Estimated remaining funds due at closing
$59,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,853.70
Your down payment$47,853.70
Closing costs + prepaids$11,779.63
Total buyer cash needed$59,633.33
Remaining funds due$59,633.33
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,405.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$278.00
Prepaid interest, first (31 days)$1,587.90
Fees + prepaids$11,779.63
Your down payment is the seller’s equity. You take over the $281,146 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $59,633.33 is due at closing. Uses and sources reconcile at $340,779.63 each. Not a Closing Disclosure.