Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$19,634Cash toward the purchase price.
Closing costs + prepaids$13,002Not just lender fees.
Before credits & paid funds$32,636The complete starting cash picture.
Estimated remaining funds due at closing
$32,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,634.11
Your down payment$19,634.11
Closing costs + prepaids$13,001.80
Total buyer cash needed$32,635.91
Remaining funds due$32,635.91
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%)$3,425.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,614.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$856.25
Initial HOA (3 months)$99.99
Prepaid interest, first (28 days)$1,788.23
Fees + prepaids$13,001.80
Your down payment is the seller’s equity. You take over the $322,866 balance, so the rest of the $342,500 price is paid at closing. A second mortgage can cover part of it. $32,635.91 is due at closing. Uses and sources reconcile at $355,501.80 each. Not a Closing Disclosure.