Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$15,809Cash toward the purchase price.
Closing costs + prepaids$12,070Not just lender fees.
Before credits & paid funds$27,879The complete starting cash picture.
Estimated remaining funds due at closing
$27,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,808.80
Your down payment$15,808.80
Closing costs + prepaids$12,069.80
Total buyer cash needed$27,878.60
Remaining funds due$27,878.60
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%)$3,269.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,555.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$636.25
Initial HOA (3 months)$61.50
Prepaid interest, first (24 days)$1,329.60
Fees + prepaids$12,069.80
Your down payment is the seller’s equity. You take over the $311,091 balance, so the rest of the $326,900 price is paid at closing. A second mortgage can cover part of it. $27,878.60 is due at closing. Uses and sources reconcile at $338,969.80 each. Not a Closing Disclosure.