Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$1,883Cash toward the purchase price.
Closing costs + prepaids$12,433Not just lender fees.
Before credits & paid funds$14,316The complete starting cash picture.
Estimated remaining funds due at closing
$14,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,882.99
Your down payment$1,882.99
Closing costs + prepaids$12,433.11
Total buyer cash needed$14,316.10
Remaining funds due$14,316.10
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%)$1,605.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$807.50
Initial HOA (3 months)$75.00
Prepaid interest, first (24 days)$1,497.02
Fees + prepaids$12,433.11
Your down payment is the seller’s equity. You take over the $321,117 balance, so the rest of the $323,000 price is paid at closing. A second mortgage can cover part of it. $14,316.10 is due at closing. Uses and sources reconcile at $335,433.11 each. Not a Closing Disclosure.