Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$6,573Cash toward the purchase price.
Closing costs + prepaids$13,100Not just lender fees.
Before credits & paid funds$19,673The complete starting cash picture.
Estimated remaining funds due at closing
$19,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,572.89
Your down payment$6,572.89
Closing costs + prepaids$13,099.73
Total buyer cash needed$19,672.61
Remaining funds due$19,672.61
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%)$3,420.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,677.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,461.00
Initial HOA (3 months)$201.00
Prepaid interest, first (2 days)$122.59
Fees + prepaids$13,099.73
Your down payment is the seller’s equity. You take over the $335,427 balance, so the rest of the $342,000 price is paid at closing. A second mortgage can cover part of it. $19,672.61 is due at closing. Uses and sources reconcile at $355,099.73 each. Not a Closing Disclosure.