Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$17,980Cash toward the purchase price.
Closing costs + prepaids$12,535Not just lender fees.
Before credits & paid funds$30,515The complete starting cash picture.
Estimated remaining funds due at closing
$30,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,979.83
Your down payment$17,979.83
Closing costs + prepaids$12,535.19
Total buyer cash needed$30,515.02
Remaining funds due$30,515.02
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%)$3,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,530.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$810.00
Initial HOA (3 months)$237.00
Prepaid interest, first (28 days)$1,500.09
Fees + prepaids$12,535.19
Your down payment is the seller’s equity. You take over the $306,020 balance, so the rest of the $324,000 price is paid at closing. A second mortgage can cover part of it. $30,515.02 is due at closing. Uses and sources reconcile at $336,535.19 each. Not a Closing Disclosure.