Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$61,665Cash toward the purchase price.
Closing costs + prepaids$10,840Not just lender fees.
Before credits & paid funds$72,505The complete starting cash picture.
Estimated remaining funds due at closing
$72,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,664.94
Your down payment$61,664.94
Closing costs + prepaids$10,840.08
Total buyer cash needed$72,505.02
Remaining funds due$72,505.02
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%)$3,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,391.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$425.00
Prepaid interest, first (17 days)$406.91
Fees + prepaids$10,840.08
Your down payment is the seller’s equity. You take over the $278,235 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $72,505.02 is due at closing. Uses and sources reconcile at $350,740.08 each. Not a Closing Disclosure.