Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$15,128Cash toward the purchase price.
Closing costs + prepaids$11,846Not just lender fees.
Before credits & paid funds$26,974The complete starting cash picture.
Estimated remaining funds due at closing
$26,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,128.05
Your down payment$15,128.05
Closing costs + prepaids$11,846.10
Total buyer cash needed$26,974.15
Remaining funds due$26,974.15
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%)$3,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,514.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$422.00
Initial HOA (3 months)$360.00
Prepaid interest, first (20 days)$1,151.74
Fees + prepaids$11,846.10
Your down payment is the seller’s equity. You take over the $302,872 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $26,974.15 is due at closing. Uses and sources reconcile at $329,846.10 each. Not a Closing Disclosure.