Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$7,879Cash toward the purchase price.
Closing costs + prepaids$12,652Not just lender fees.
Before credits & paid funds$20,531The complete starting cash picture.
Estimated remaining funds due at closing
$20,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,879.35
Your down payment$7,879.35
Closing costs + prepaids$12,651.58
Total buyer cash needed$20,530.93
Remaining funds due$20,530.93
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%)$3,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,530.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,004.50
Prepaid interest, first (29 days)$1,758.47
Fees + prepaids$12,651.58
Your down payment is the seller’s equity. You take over the $306,121 balance, so the rest of the $314,000 price is paid at closing. A second mortgage can cover part of it. $20,530.93 is due at closing. Uses and sources reconcile at $326,651.58 each. Not a Closing Disclosure.