Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$30,387Cash toward the purchase price.
Closing costs + prepaids$10,969Not just lender fees.
Before credits & paid funds$41,356The complete starting cash picture.
Estimated remaining funds due at closing
$41,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,387.46
Your down payment$30,387.46
Closing costs + prepaids$10,968.76
Total buyer cash needed$41,356.22
Remaining funds due$41,356.22
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%)$3,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,418.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.50
Initial HOA (3 months)$80.01
Prepaid interest, first (25 days)$602.19
Fees + prepaids$10,968.76
Your down payment is the seller’s equity. You take over the $283,613 balance, so the rest of the $314,000 price is paid at closing. A second mortgage can cover part of it. $41,356.22 is due at closing. Uses and sources reconcile at $324,968.76 each. Not a Closing Disclosure.