Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$6,406Cash toward the purchase price.
Closing costs + prepaids$11,921Not just lender fees.
Before credits & paid funds$18,327The complete starting cash picture.
Estimated remaining funds due at closing
$18,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,406.48
Your down payment$6,406.48
Closing costs + prepaids$11,920.51
Total buyer cash needed$18,326.99
Remaining funds due$18,326.99
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%)$3,149.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,542.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$471.00
Prepaid interest, first (28 days)$1,538.69
Fees + prepaids$11,920.51
Your down payment is the seller’s equity. You take over the $308,584 balance, so the rest of the $314,990 price is paid at closing. A second mortgage can cover part of it. $18,326.99 is due at closing. Uses and sources reconcile at $326,910.51 each. Not a Closing Disclosure.