Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,745Cash toward the purchase price.
Closing costs + prepaids$10,574Not just lender fees.
Before credits & paid funds$23,319The complete starting cash picture.
Estimated remaining funds due at closing
$23,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,745.27
Your down payment$12,745.27
Closing costs + prepaids$10,574.20
Total buyer cash needed$23,319.47
Remaining funds due$23,319.47
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%)$3,409.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,641.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$246.50
Prepaid interest, first (1 days)$58.46
Fees + prepaids$10,574.20
Your down payment is the seller’s equity. You take over the $328,253 balance, so the rest of the $340,998 price is paid at closing. A second mortgage can cover part of it. $23,319.47 is due at closing. Uses and sources reconcile at $351,572.20 each. Not a Closing Disclosure.