Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$28,273Cash toward the purchase price.
Closing costs + prepaids$10,757Not just lender fees.
Before credits & paid funds$39,030The complete starting cash picture.
Estimated remaining funds due at closing
$39,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,272.70
Your down payment$28,272.70
Closing costs + prepaids$10,757.11
Total buyer cash needed$39,029.81
Remaining funds due$39,029.81
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%)$3,230.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,473.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$285.75
Prepaid interest, first (23 days)$549.73
Fees + prepaids$10,757.11
Your down payment is the seller’s equity. You take over the $294,727 balance, so the rest of the $323,000 price is paid at closing. A second mortgage can cover part of it. $39,029.81 is due at closing. Uses and sources reconcile at $333,757.11 each. Not a Closing Disclosure.