Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$27,131Cash toward the purchase price.
Closing costs + prepaids$11,467Not just lender fees.
Before credits & paid funds$38,597The complete starting cash picture.
Estimated remaining funds due at closing
$38,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,130.54
Your down payment$27,130.54
Closing costs + prepaids$11,466.67
Total buyer cash needed$38,597.22
Remaining funds due$38,597.22
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%)$1,539.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$625.50
Prepaid interest, first (29 days)$733.83
Fees + prepaids$11,466.67
Your down payment is the seller’s equity. You take over the $307,869 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $38,597.22 is due at closing. Uses and sources reconcile at $346,466.67 each. Not a Closing Disclosure.