Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$21,873Cash toward the purchase price.
Closing costs + prepaids$11,433Not just lender fees.
Before credits & paid funds$33,306The complete starting cash picture.
Estimated remaining funds due at closing
$33,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,872.95
Your down payment$21,872.95
Closing costs + prepaids$11,432.65
Total buyer cash needed$33,305.60
Remaining funds due$33,305.60
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$7.25
Initial HOA (3 months)$48.51
Prepaid interest, first (25 days)$1,394.75
Fees + prepaids$11,432.65
Your down payment is the seller’s equity. You take over the $303,027 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $33,305.60 is due at closing. Uses and sources reconcile at $336,332.65 each. Not a Closing Disclosure.