Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$6,862Cash toward the purchase price.
Closing costs + prepaids$11,944Not just lender fees.
Before credits & paid funds$18,806The complete starting cash picture.
Estimated remaining funds due at closing
$18,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,861.54
Your down payment$6,861.54
Closing costs + prepaids$11,944.17
Total buyer cash needed$18,805.71
Remaining funds due$18,805.71
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%)$3,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,605.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (12 days)$396.98
Fees + prepaids$11,944.17
Your down payment is the seller’s equity. You take over the $321,138 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $18,805.71 is due at closing. Uses and sources reconcile at $339,944.17 each. Not a Closing Disclosure.