Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$14,288Cash toward the purchase price.
Closing costs + prepaids$13,003Not just lender fees.
Before credits & paid funds$27,292The complete starting cash picture.
Estimated remaining funds due at closing
$27,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,288.40
Your down payment$14,288.40
Closing costs + prepaids$13,003.46
Total buyer cash needed$27,291.86
Remaining funds due$27,291.86
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%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,578.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,056.75
Prepaid interest, first (31 days)$1,850.16
Fees + prepaids$13,003.46
Your down payment is the seller’s equity. You take over the $315,712 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $27,291.86 is due at closing. Uses and sources reconcile at $343,003.46 each. Not a Closing Disclosure.