Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$26,853Cash toward the purchase price.
Closing costs + prepaids$11,167Not just lender fees.
Before credits & paid funds$38,020The complete starting cash picture.
Estimated remaining funds due at closing
$38,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,852.52
Your down payment$26,852.52
Closing costs + prepaids$11,166.99
Total buyer cash needed$38,019.51
Remaining funds due$38,019.51
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%)$3,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,590.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$414.00
Initial HOA (3 months)$255.00
Prepaid interest, first (9 days)$240.76
Fees + prepaids$11,166.99
Your down payment is the seller’s equity. You take over the $318,047 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $38,019.51 is due at closing. Uses and sources reconcile at $356,066.99 each. Not a Closing Disclosure.