Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$21,498Cash toward the purchase price.
Closing costs + prepaids$12,054Not just lender fees.
Before credits & paid funds$33,553The complete starting cash picture.
Estimated remaining funds due at closing
$33,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,498.29
Your down payment$21,498.29
Closing costs + prepaids$12,054.48
Total buyer cash needed$33,552.77
Remaining funds due$33,552.77
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%)$3,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,455.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$781.25
Initial HOA (3 months)$32.49
Prepaid interest, first (26 days)$1,442.73
Fees + prepaids$12,054.48
Your down payment is the seller’s equity. You take over the $291,002 balance, so the rest of the $312,500 price is paid at closing. A second mortgage can cover part of it. $33,552.77 is due at closing. Uses and sources reconcile at $324,554.48 each. Not a Closing Disclosure.