Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,193Cash toward the purchase price.
Closing costs + prepaids$12,208Not just lender fees.
Before credits & paid funds$40,401The complete starting cash picture.
Estimated remaining funds due at closing
$40,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,192.82
Your down payment$28,192.82
Closing costs + prepaids$12,208.16
Total buyer cash needed$40,400.97
Remaining funds due$40,400.97
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%)$3,298.70
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,508.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$459.50
Initial HOA (3 months)$339.99
Prepaid interest, first (31 days)$1,383.58
Fees + prepaids$12,208.16
Your down payment is the seller’s equity. You take over the $301,677 balance, so the rest of the $329,870 price is paid at closing. A second mortgage can cover part of it. $40,400.97 is due at closing. Uses and sources reconcile at $342,078.16 each. Not a Closing Disclosure.