Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,842Cash toward the purchase price.
Closing costs + prepaids$11,523Not just lender fees.
Before credits & paid funds$35,365The complete starting cash picture.
Estimated remaining funds due at closing
$35,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,842.13
Your down payment$23,842.13
Closing costs + prepaids$11,522.74
Total buyer cash needed$35,364.87
Remaining funds due$35,364.87
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%)$3,270.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$277.25
Prepaid interest, first (23 days)$1,241.70
Fees + prepaids$11,522.74
Your down payment is the seller’s equity. You take over the $303,158 balance, so the rest of the $327,000 price is paid at closing. A second mortgage can cover part of it. $35,364.87 is due at closing. Uses and sources reconcile at $338,522.74 each. Not a Closing Disclosure.