Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$23,842Cash toward the purchase price.
Closing costs + prepaids$11,114Not just lender fees.
Before credits & paid funds$34,956The complete starting cash picture.
Estimated remaining funds due at closing
$34,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,842.13
Your down payment$23,842.13
Closing costs + prepaids$11,114.37
Total buyer cash needed$34,956.50
Remaining funds due$34,956.50
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%)$3,270.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$408.75
Prepaid interest, first (13 days)$701.83
Fees + prepaids$11,114.37
Your down payment is the seller’s equity. You take over the $303,158 balance, so the rest of the $327,000 price is paid at closing. A second mortgage can cover part of it. $34,956.50 is due at closing. Uses and sources reconcile at $338,114.37 each. Not a Closing Disclosure.