Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$3,394Cash toward the purchase price.
Closing costs + prepaids$11,578Not just lender fees.
Before credits & paid funds$14,971The complete starting cash picture.
Estimated remaining funds due at closing
$14,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,393.58
Your down payment$3,393.58
Closing costs + prepaids$11,577.53
Total buyer cash needed$14,971.12
Remaining funds due$14,971.12
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%)$3,072.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,519.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.75
Initial HOA (3 months)$912.00
Prepaid interest, first (9 days)$487.00
Fees + prepaids$11,577.53
Your down payment is the seller’s equity. You take over the $303,856 balance, so the rest of the $307,250 price is paid at closing. A second mortgage can cover part of it. $14,971.12 is due at closing. Uses and sources reconcile at $318,827.53 each. Not a Closing Disclosure.