Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,128Cash toward the purchase price.
Closing costs + prepaids$12,480Not just lender fees.
Before credits & paid funds$27,608The complete starting cash picture.
Estimated remaining funds due at closing
$27,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,128.05
Your down payment$15,128.05
Closing costs + prepaids$12,479.56
Total buyer cash needed$27,607.61
Remaining funds due$27,607.61
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%)$3,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,514.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$422.00
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$1,785.20
Fees + prepaids$12,479.56
Your down payment is the seller’s equity. You take over the $302,872 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $27,607.61 is due at closing. Uses and sources reconcile at $330,479.56 each. Not a Closing Disclosure.