Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$25,603Cash toward the purchase price.
Closing costs + prepaids$11,153Not just lender fees.
Before credits & paid funds$36,755The complete starting cash picture.
Estimated remaining funds due at closing
$36,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,602.67
Your down payment$25,602.67
Closing costs + prepaids$11,152.70
Total buyer cash needed$36,755.37
Remaining funds due$36,755.37
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%)$3,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,546.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$418.75
Prepaid interest, first (14 days)$620.46
Fees + prepaids$11,152.70
Your down payment is the seller’s equity. You take over the $309,297 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $36,755.37 is due at closing. Uses and sources reconcile at $346,052.70 each. Not a Closing Disclosure.