Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$5,181Cash toward the purchase price.
Closing costs + prepaids$12,778Not just lender fees.
Before credits & paid funds$17,959The complete starting cash picture.
Estimated remaining funds due at closing
$17,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,181.18
Your down payment$5,181.18
Closing costs + prepaids$12,777.80
Total buyer cash needed$17,958.98
Remaining funds due$17,958.98
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%)$3,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,594.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$245.50
Initial HOA (3 months)$735.00
Prepaid interest, first (30 days)$1,745.21
Fees + prepaids$12,777.80
Your down payment is the seller’s equity. You take over the $318,819 balance, so the rest of the $324,000 price is paid at closing. A second mortgage can cover part of it. $17,958.98 is due at closing. Uses and sources reconcile at $336,777.80 each. Not a Closing Disclosure.