Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$19,431Cash toward the purchase price.
Closing costs + prepaids$12,542Not just lender fees.
Before credits & paid funds$31,973The complete starting cash picture.
Estimated remaining funds due at closing
$31,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,430.61
Your down payment$19,430.61
Closing costs + prepaids$12,541.97
Total buyer cash needed$31,972.59
Remaining funds due$31,972.59
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,547.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,613.00
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$848.14
Fees + prepaids$12,541.97
Your down payment is the seller’s equity. You take over the $309,569 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $31,972.59 is due at closing. Uses and sources reconcile at $341,541.97 each. Not a Closing Disclosure.