Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$41,045Cash toward the purchase price.
Closing costs + prepaids$12,289Not just lender fees.
Before credits & paid funds$53,333The complete starting cash picture.
Estimated remaining funds due at closing
$53,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,044.56
Your down payment$41,044.56
Closing costs + prepaids$12,288.61
Total buyer cash needed$53,333.17
Remaining funds due$53,333.17
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%)$1,419.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.75
Initial HOA (3 months)$6.24
Prepaid interest, first (27 days)$1,333.34
Fees + prepaids$12,288.61
Your down payment is the seller’s equity. You take over the $283,855 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $53,333.17 is due at closing. Uses and sources reconcile at $337,188.61 each. Not a Closing Disclosure.