Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$17,371Cash toward the purchase price.
Closing costs + prepaids$12,151Not just lender fees.
Before credits & paid funds$29,521The complete starting cash picture.
Estimated remaining funds due at closing
$29,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,370.78
Your down payment$17,370.78
Closing costs + prepaids$12,150.60
Total buyer cash needed$29,521.38
Remaining funds due$29,521.38
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%)$3,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,563.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$825.00
Initial HOA (3 months)$525.00
Prepaid interest, first (28 days)$719.47
Fees + prepaids$12,150.60
Your down payment is the seller’s equity. You take over the $312,628 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $29,521.38 is due at closing. Uses and sources reconcile at $342,149.60 each. Not a Closing Disclosure.