Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$17,161Cash toward the purchase price.
Closing costs + prepaids$12,251Not just lender fees.
Before credits & paid funds$29,412The complete starting cash picture.
Estimated remaining funds due at closing
$29,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,160.69
Your down payment$17,160.69
Closing costs + prepaids$12,251.17
Total buyer cash needed$29,411.85
Remaining funds due$29,411.85
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%)$1,474.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$648.00
Initial HOA (3 months)$249.00
Prepaid interest, first (27 days)$1,541.97
Fees + prepaids$12,251.17
Your down payment is the seller’s equity. You take over the $294,839 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $29,411.85 is due at closing. Uses and sources reconcile at $324,251.17 each. Not a Closing Disclosure.