Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,683Cash toward the purchase price.
Closing costs + prepaids$11,474Not just lender fees.
Before credits & paid funds$30,157The complete starting cash picture.
Estimated remaining funds due at closing
$30,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,682.76
Your down payment$18,682.76
Closing costs + prepaids$11,474.36
Total buyer cash needed$30,157.12
Remaining funds due$30,157.12
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,506.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$44.50
Initial HOA (3 months)$156.00
Prepaid interest, first (22 days)$1,350.77
Fees + prepaids$11,474.36
Your down payment is the seller’s equity. You take over the $301,217 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $30,157.12 is due at closing. Uses and sources reconcile at $331,374.36 each. Not a Closing Disclosure.