Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$32,628Cash toward the purchase price.
Closing costs + prepaids$13,476Not just lender fees.
Before credits & paid funds$46,104The complete starting cash picture.
Estimated remaining funds due at closing
$46,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,627.83
Your down payment$32,627.83
Closing costs + prepaids$13,476.16
Total buyer cash needed$46,103.98
Remaining funds due$46,103.98
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%)$3,195.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,434.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,197.00
Initial HOA (3 months)$1,740.00
Prepaid interest, first (27 days)$691.79
Fees + prepaids$13,476.16
Your down payment is the seller’s equity. You take over the $286,872 balance, so the rest of the $319,500 price is paid at closing. A second mortgage can cover part of it. $46,103.98 is due at closing. Uses and sources reconcile at $332,976.16 each. Not a Closing Disclosure.