Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$31,848Cash toward the purchase price.
Closing costs + prepaids$10,761Not just lender fees.
Before credits & paid funds$42,609The complete starting cash picture.
Estimated remaining funds due at closing
$42,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,848.34
Your down payment$31,848.34
Closing costs + prepaids$10,760.75
Total buyer cash needed$42,609.09
Remaining funds due$42,609.09
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%)$3,360.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,520.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$403.25
Prepaid interest, first (9 days)$258.74
Fees + prepaids$10,760.75
Your down payment is the seller’s equity. You take over the $304,152 balance, so the rest of the $336,000 price is paid at closing. A second mortgage can cover part of it. $42,609.09 is due at closing. Uses and sources reconcile at $346,760.75 each. Not a Closing Disclosure.