Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$33,274Cash toward the purchase price.
Closing costs + prepaids$12,366Not just lender fees.
Before credits & paid funds$45,639The complete starting cash picture.
Estimated remaining funds due at closing
$45,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,273.59
Your down payment$33,273.59
Closing costs + prepaids$12,365.87
Total buyer cash needed$45,639.46
Remaining funds due$45,639.46
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%)$1,528.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$188.75
Initial HOA (3 months)$540.00
Prepaid interest, first (26 days)$1,500.49
Fees + prepaids$12,365.87
Your down payment is the seller’s equity. You take over the $305,726 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $45,639.46 is due at closing. Uses and sources reconcile at $351,365.87 each. Not a Closing Disclosure.