Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,791Cash toward the purchase price.
Closing costs + prepaids$13,973Not just lender fees.
Before credits & paid funds$32,763The complete starting cash picture.
Estimated remaining funds due at closing
$32,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,790.74
Your down payment$18,790.74
Closing costs + prepaids$13,972.67
Total buyer cash needed$32,763.41
Remaining funds due$32,763.41
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%)$1,581.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,100.50
Prepaid interest, first (30 days)$1,723.12
Fees + prepaids$13,972.67
Your down payment is the seller’s equity. You take over the $316,209 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $32,763.41 is due at closing. Uses and sources reconcile at $348,972.67 each. Not a Closing Disclosure.