Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$20,817Cash toward the purchase price.
Closing costs + prepaids$12,805Not just lender fees.
Before credits & paid funds$33,623The complete starting cash picture.
Estimated remaining funds due at closing
$33,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,817.21
Your down payment$20,817.21
Closing costs + prepaids$12,805.31
Total buyer cash needed$33,622.52
Remaining funds due$33,622.52
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%)$3,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,635.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$973.75
Initial HOA (3 months)$138.00
Prepaid interest, first (24 days)$1,359.65
Fees + prepaids$12,805.31
Your down payment is the seller’s equity. You take over the $327,183 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $33,622.52 is due at closing. Uses and sources reconcile at $360,805.31 each. Not a Closing Disclosure.