Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$37,251Cash toward the purchase price.
Closing costs + prepaids$11,452Not just lender fees.
Before credits & paid funds$48,703The complete starting cash picture.
Estimated remaining funds due at closing
$48,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,251.30
Your down payment$37,251.30
Closing costs + prepaids$11,451.97
Total buyer cash needed$48,703.26
Remaining funds due$48,703.26
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%)$3,398.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,512.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$181.00
Prepaid interest, first (20 days)$1,142.22
Fees + prepaids$11,451.97
Your down payment is the seller’s equity. You take over the $302,549 balance, so the rest of the $339,800 price is paid at closing. A second mortgage can cover part of it. $48,703.26 is due at closing. Uses and sources reconcile at $351,251.97 each. Not a Closing Disclosure.