Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$2,766Cash toward the purchase price.
Closing costs + prepaids$13,369Not just lender fees.
Before credits & paid funds$16,136The complete starting cash picture.
Estimated remaining funds due at closing
$16,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,766.44
Your down payment$2,766.44
Closing costs + prepaids$13,369.45
Total buyer cash needed$16,135.89
Remaining funds due$16,135.89
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%)$3,230.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,601.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$951.00
Initial HOA (3 months)$1,005.00
Prepaid interest, first (25 days)$1,364.28
Fees + prepaids$13,369.45
Your down payment is the seller’s equity. You take over the $320,234 balance, so the rest of the $323,000 price is paid at closing. A second mortgage can cover part of it. $16,135.89 is due at closing. Uses and sources reconcile at $336,369.45 each. Not a Closing Disclosure.