Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$16,655Cash toward the purchase price.
Closing costs + prepaids$13,532Not just lender fees.
Before credits & paid funds$30,187The complete starting cash picture.
Estimated remaining funds due at closing
$30,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,654.91
Your down payment$16,654.91
Closing costs + prepaids$13,532.23
Total buyer cash needed$30,187.15
Remaining funds due$30,187.15
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%)$3,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,604.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$947.75
Initial HOA (3 months)$1,305.00
Prepaid interest, first (24 days)$1,082.26
Fees + prepaids$13,532.23
Your down payment is the seller’s equity. You take over the $320,845 balance, so the rest of the $337,500 price is paid at closing. A second mortgage can cover part of it. $30,187.15 is due at closing. Uses and sources reconcile at $351,032.23 each. Not a Closing Disclosure.