Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$15,496Cash toward the purchase price.
Closing costs + prepaids$11,755Not just lender fees.
Before credits & paid funds$27,251The complete starting cash picture.
Estimated remaining funds due at closing
$27,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,496.44
Your down payment$15,496.44
Closing costs + prepaids$11,754.71
Total buyer cash needed$27,251.15
Remaining funds due$27,251.15
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%)$3,330.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,587.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$366.75
Prepaid interest, first (23 days)$1,252.44
Fees + prepaids$11,754.71
Your down payment is the seller’s equity. You take over the $317,504 balance, so the rest of the $333,000 price is paid at closing. A second mortgage can cover part of it. $27,251.15 is due at closing. Uses and sources reconcile at $344,754.71 each. Not a Closing Disclosure.