Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$15,786Cash toward the purchase price.
Closing costs + prepaids$13,149Not just lender fees.
Before credits & paid funds$28,935The complete starting cash picture.
Estimated remaining funds due at closing
$28,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,785.66
Your down payment$15,785.66
Closing costs + prepaids$13,149.39
Total buyer cash needed$28,935.05
Remaining funds due$28,935.05
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%)$1,520.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,359.00
Initial HOA (3 months)$713.01
Prepaid interest, first (24 days)$1,139.80
Fees + prepaids$13,149.39
Your down payment is the seller’s equity. You take over the $304,114 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $28,935.05 is due at closing. Uses and sources reconcile at $333,049.39 each. Not a Closing Disclosure.