Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$16,514Cash toward the purchase price.
Closing costs + prepaids$12,125Not just lender fees.
Before credits & paid funds$28,639The complete starting cash picture.
Estimated remaining funds due at closing
$28,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,513.87
Your down payment$16,513.87
Closing costs + prepaids$12,124.71
Total buyer cash needed$28,638.59
Remaining funds due$28,638.59
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%)$3,439.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,636.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$877.00
Initial HOA (3 months)$669.00
Prepaid interest, first (5 days)$284.78
Fees + prepaids$12,124.71
Your down payment is the seller’s equity. You take over the $327,386 balance, so the rest of the $343,900 price is paid at closing. A second mortgage can cover part of it. $28,638.59 is due at closing. Uses and sources reconcile at $356,024.71 each. Not a Closing Disclosure.