Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$21,837Cash toward the purchase price.
Closing costs + prepaids$11,639Not just lender fees.
Before credits & paid funds$33,476The complete starting cash picture.
Estimated remaining funds due at closing
$33,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,837.05
Your down payment$21,837.05
Closing costs + prepaids$11,639.38
Total buyer cash needed$33,476.43
Remaining funds due$33,476.43
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%)$3,249.91
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$467.50
Prepaid interest, first (23 days)$1,188.20
Fees + prepaids$11,639.38
Your down payment is the seller’s equity. You take over the $303,154 balance, so the rest of the $324,991 price is paid at closing. A second mortgage can cover part of it. $33,476.43 is due at closing. Uses and sources reconcile at $336,630.38 each. Not a Closing Disclosure.