Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,778Cash toward the purchase price.
Closing costs + prepaids$14,300Not just lender fees.
Before credits & paid funds$38,078The complete starting cash picture.
Estimated remaining funds due at closing
$38,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,777.87
Your down payment$23,777.87
Closing costs + prepaids$14,299.89
Total buyer cash needed$38,077.76
Remaining funds due$38,077.76
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%)$3,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,521.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$909.25
Initial HOA (3 months)$1,821.00
Prepaid interest, first (27 days)$1,550.53
Fees + prepaids$14,299.89
Your down payment is the seller’s equity. You take over the $304,222 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $38,077.76 is due at closing. Uses and sources reconcile at $342,299.89 each. Not a Closing Disclosure.