Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$13,375Cash toward the purchase price.
Closing costs + prepaids$12,482Not just lender fees.
Before credits & paid funds$25,857The complete starting cash picture.
Estimated remaining funds due at closing
$25,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,374.80
Your down payment$13,374.80
Closing costs + prepaids$12,482.28
Total buyer cash needed$25,857.08
Remaining funds due$25,857.08
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%)$1,532.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$799.75
Initial HOA (3 months)$79.26
Prepaid interest, first (29 days)$1,653.64
Fees + prepaids$12,482.28
Your down payment is the seller’s equity. You take over the $306,525 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $25,857.08 is due at closing. Uses and sources reconcile at $332,382.28 each. Not a Closing Disclosure.