Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,854Cash toward the purchase price.
Closing costs + prepaids$11,799Not just lender fees.
Before credits & paid funds$44,652The complete starting cash picture.
Estimated remaining funds due at closing
$44,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,853.91
Your down payment$32,853.91
Closing costs + prepaids$11,798.54
Total buyer cash needed$44,652.45
Remaining funds due$44,652.45
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%)$3,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,395.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$780.00
Initial HOA (3 months)$48.00
Prepaid interest, first (26 days)$1,236.81
Fees + prepaids$11,798.54
Your down payment is the seller’s equity. You take over the $279,146 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $44,652.45 is due at closing. Uses and sources reconcile at $323,798.54 each. Not a Closing Disclosure.