Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$19,764Cash toward the purchase price.
Closing costs + prepaids$11,044Not just lender fees.
Before credits & paid funds$30,808The complete starting cash picture.
Estimated remaining funds due at closing
$30,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,764.27
Your down payment$19,764.27
Closing costs + prepaids$11,043.96
Total buyer cash needed$30,808.23
Remaining funds due$30,808.23
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%)$3,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,576.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$218.25
Initial HOA (3 months)$600.00
Prepaid interest, first (2 days)$81.53
Fees + prepaids$11,043.96
Your down payment is the seller’s equity. You take over the $315,236 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $30,808.23 is due at closing. Uses and sources reconcile at $346,043.96 each. Not a Closing Disclosure.