Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$6,087Cash toward the purchase price.
Closing costs + prepaids$12,489Not just lender fees.
Before credits & paid funds$18,576The complete starting cash picture.
Estimated remaining funds due at closing
$18,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,087.35
Your down payment$6,087.35
Closing costs + prepaids$12,489.06
Total buyer cash needed$18,576.41
Remaining funds due$18,576.41
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%)$3,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,609.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$259.75
Initial HOA (3 months)$1,050.00
Prepaid interest, first (31 days)$1,071.75
Fees + prepaids$12,489.06
Your down payment is the seller’s equity. You take over the $321,913 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $18,576.41 is due at closing. Uses and sources reconcile at $340,489.06 each. Not a Closing Disclosure.