Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,377Cash toward the purchase price.
Closing costs + prepaids$12,508Not just lender fees.
Before credits & paid funds$25,885The complete starting cash picture.
Estimated remaining funds due at closing
$25,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,376.92
Your down payment$13,376.92
Closing costs + prepaids$12,508.01
Total buyer cash needed$25,884.93
Remaining funds due$25,884.93
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,582.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$895.50
Prepaid interest, first (26 days)$1,512.89
Fees + prepaids$12,508.01
Your down payment is the seller’s equity. You take over the $316,523 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $25,884.93 is due at closing. Uses and sources reconcile at $342,408.01 each. Not a Closing Disclosure.