Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$19,617Cash toward the purchase price.
Closing costs + prepaids$11,256Not just lender fees.
Before credits & paid funds$30,874The complete starting cash picture.
Estimated remaining funds due at closing
$30,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,617.48
Your down payment$19,617.48
Closing costs + prepaids$11,256.46
Total buyer cash needed$30,873.94
Remaining funds due$30,873.94
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,551.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$424.50
Prepaid interest, first (18 days)$763.55
Fees + prepaids$11,256.46
Your down payment is the seller’s equity. You take over the $310,283 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $30,873.94 is due at closing. Uses and sources reconcile at $341,156.46 each. Not a Closing Disclosure.