Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$1,871Cash toward the purchase price.
Closing costs + prepaids$13,748Not just lender fees.
Before credits & paid funds$15,619The complete starting cash picture.
Estimated remaining funds due at closing
$15,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,870.87
Your down payment$1,870.87
Closing costs + prepaids$13,748.34
Total buyer cash needed$15,619.21
Remaining funds due$15,619.21
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%)$3,360.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,670.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$538.50
Initial HOA (3 months)$1,080.00
Prepaid interest, first (30 days)$1,881.19
Fees + prepaids$13,748.34
Your down payment is the seller’s equity. You take over the $334,129 balance, so the rest of the $336,000 price is paid at closing. A second mortgage can cover part of it. $15,619.21 is due at closing. Uses and sources reconcile at $349,748.34 each. Not a Closing Disclosure.