Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,324Cash toward the purchase price.
Closing costs + prepaids$13,227Not just lender fees.
Before credits & paid funds$14,551The complete starting cash picture.
Estimated remaining funds due at closing
$14,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,323.82
Your down payment$1,323.82
Closing costs + prepaids$13,227.25
Total buyer cash needed$14,551.07
Remaining funds due$14,551.07
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%)$3,530.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,758.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,242.75
Initial HOA (3 months)$174.99
Prepaid interest, first (25 days)$1,303.13
Fees + prepaids$13,227.25
Your down payment is the seller’s equity. You take over the $351,676 balance, so the rest of the $353,000 price is paid at closing. A second mortgage can cover part of it. $14,551.07 is due at closing. Uses and sources reconcile at $366,227.25 each. Not a Closing Disclosure.