Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$9,248Cash toward the purchase price.
Closing costs + prepaids$12,451Not just lender fees.
Before credits & paid funds$21,698The complete starting cash picture.
Estimated remaining funds due at closing
$21,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,247.62
Your down payment$9,247.62
Closing costs + prepaids$12,450.77
Total buyer cash needed$21,698.39
Remaining funds due$21,698.39
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%)$3,269.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,588.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$338.25
Initial HOA (3 months)$200.01
Prepaid interest, first (31 days)$1,837.25
Fees + prepaids$12,450.77
Your down payment is the seller’s equity. You take over the $317,652 balance, so the rest of the $326,900 price is paid at closing. A second mortgage can cover part of it. $21,698.39 is due at closing. Uses and sources reconcile at $339,350.77 each. Not a Closing Disclosure.