Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,779Cash toward the purchase price.
Closing costs + prepaids$12,794Not just lender fees.
Before credits & paid funds$44,574The complete starting cash picture.
Estimated remaining funds due at closing
$44,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,779.11
Your down payment$31,779.11
Closing costs + prepaids$12,794.43
Total buyer cash needed$44,573.54
Remaining funds due$44,573.54
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,486.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$748.50
Initial HOA (3 months)$411.00
Prepaid interest, first (31 days)$1,640.82
Fees + prepaids$12,794.43
Your down payment is the seller’s equity. You take over the $297,221 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $44,573.54 is due at closing. Uses and sources reconcile at $341,794.43 each. Not a Closing Disclosure.