Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,708Cash toward the purchase price.
Closing costs + prepaids$11,999Not just lender fees.
Before credits & paid funds$29,706The complete starting cash picture.
Estimated remaining funds due at closing
$29,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,707.53
Your down payment$17,707.53
Closing costs + prepaids$11,998.66
Total buyer cash needed$29,706.20
Remaining funds due$29,706.20
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%)$3,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,511.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$451.75
Prepaid interest, first (31 days)$1,617.47
Fees + prepaids$11,998.66
Your down payment is the seller’s equity. You take over the $302,291 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $29,706.20 is due at closing. Uses and sources reconcile at $331,997.66 each. Not a Closing Disclosure.