Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,709Cash toward the purchase price.
Closing costs + prepaids$11,590Not just lender fees.
Before credits & paid funds$41,300The complete starting cash picture.
Estimated remaining funds due at closing
$41,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,709.48
Your down payment$29,709.48
Closing costs + prepaids$11,590.48
Total buyer cash needed$41,299.96
Remaining funds due$41,299.96
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%)$1,526.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$176.25
Prepaid interest, first (31 days)$1,319.78
Fees + prepaids$11,590.48
Your down payment is the seller’s equity. You take over the $305,291 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $41,299.96 is due at closing. Uses and sources reconcile at $346,590.48 each. Not a Closing Disclosure.