Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$8,883Cash toward the purchase price.
Closing costs + prepaids$10,675Not just lender fees.
Before credits & paid funds$19,557The complete starting cash picture.
Estimated remaining funds due at closing
$19,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,882.66
Your down payment$8,882.66
Closing costs + prepaids$10,674.68
Total buyer cash needed$19,557.34
Remaining funds due$19,557.34
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%)$1,590.09
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 (1 days)$59.33
Fees + prepaids$10,674.68
Your down payment is the seller’s equity. You take over the $318,017 balance, so the rest of the $326,900 price is paid at closing. A second mortgage can cover part of it. $19,557.34 is due at closing. Uses and sources reconcile at $337,574.68 each. Not a Closing Disclosure.