Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$524Cash toward the purchase price.
Closing costs + prepaids$13,218Not just lender fees.
Before credits & paid funds$13,742The complete starting cash picture.
Estimated remaining funds due at closing
$13,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$523.85
Your down payment$523.85
Closing costs + prepaids$13,218.16
Total buyer cash needed$13,742.02
Remaining funds due$13,742.02
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,547.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$569.00
Initial HOA (3 months)$1,077.00
Prepaid interest, first (30 days)$1,706.78
Fees + prepaids$13,218.16
Your down payment is the seller’s equity. You take over the $309,476 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $13,742.02 is due at closing. Uses and sources reconcile at $323,218.16 each. Not a Closing Disclosure.