Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,572Cash toward the purchase price.
Closing costs + prepaids$11,063Not just lender fees.
Before credits & paid funds$12,635The complete starting cash picture.
Estimated remaining funds due at closing
$12,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,572.24
Your down payment$1,572.24
Closing costs + prepaids$11,062.51
Total buyer cash needed$12,634.75
Remaining funds due$12,634.75
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%)$3,230.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,607.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$807.50
Initial HOA (3 months)$75.00
Prepaid interest, first (2 days)$124.87
Fees + prepaids$11,062.51
Your down payment is the seller’s equity. You take over the $321,428 balance, so the rest of the $323,000 price is paid at closing. A second mortgage can cover part of it. $12,634.75 is due at closing. Uses and sources reconcile at $334,062.51 each. Not a Closing Disclosure.