Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$54,721Cash toward the purchase price.
Closing costs + prepaids$11,138Not just lender fees.
Before credits & paid funds$65,859The complete starting cash picture.
Estimated remaining funds due at closing
$65,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,720.63
Your down payment$54,720.63
Closing costs + prepaids$11,138.21
Total buyer cash needed$65,858.85
Remaining funds due$65,858.85
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,371.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$394.50
Prepaid interest, first (18 days)$864.32
Fees + prepaids$11,138.21
Your down payment is the seller’s equity. You take over the $274,279 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $65,858.85 is due at closing. Uses and sources reconcile at $340,138.21 each. Not a Closing Disclosure.