Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$925Cash toward the purchase price.
Closing costs + prepaids$11,720Not just lender fees.
Before credits & paid funds$12,645The complete starting cash picture.
Estimated remaining funds due at closing
$12,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$924.66
Your down payment$924.66
Closing costs + prepaids$11,720.45
Total buyer cash needed$12,645.12
Remaining funds due$12,645.12
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,594.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$371.50
Prepaid interest, first (30 days)$1,337.07
Fees + prepaids$11,720.45
Your down payment is the seller’s equity. You take over the $318,975 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $12,645.12 is due at closing. Uses and sources reconcile at $331,620.45 each. Not a Closing Disclosure.