Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,694Cash toward the purchase price.
Closing costs + prepaids$11,842Not just lender fees.
Before credits & paid funds$24,535The complete starting cash picture.
Estimated remaining funds due at closing
$24,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,693.80
Your down payment$12,693.80
Closing costs + prepaids$11,841.52
Total buyer cash needed$24,535.32
Remaining funds due$24,535.32
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%)$3,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,526.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$379.00
Prepaid interest, first (27 days)$1,537.99
Fees + prepaids$11,841.52
Your down payment is the seller’s equity. You take over the $305,306 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $24,535.32 is due at closing. Uses and sources reconcile at $329,841.52 each. Not a Closing Disclosure.