Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$19,098Cash toward the purchase price.
Closing costs + prepaids$11,309Not just lender fees.
Before credits & paid funds$30,407The complete starting cash picture.
Estimated remaining funds due at closing
$30,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,098.47
Your down payment$19,098.47
Closing costs + prepaids$11,308.93
Total buyer cash needed$30,407.39
Remaining funds due$30,407.39
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%)$1,579.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$259.50
Initial HOA (3 months)$783.00
Prepaid interest, first (2 days)$118.92
Fees + prepaids$11,308.93
Your down payment is the seller’s equity. You take over the $315,902 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $30,407.39 is due at closing. Uses and sources reconcile at $346,308.93 each. Not a Closing Disclosure.