Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$4,649Cash toward the purchase price.
Closing costs + prepaids$14,157Not just lender fees.
Before credits & paid funds$18,806The complete starting cash picture.
Estimated remaining funds due at closing
$18,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,648.88
Your down payment$4,648.88
Closing costs + prepaids$14,157.34
Total buyer cash needed$18,806.22
Remaining funds due$18,806.22
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%)$1,651.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,846.50
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$1,905.09
Fees + prepaids$14,157.34
Your down payment is the seller’s equity. You take over the $330,351 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $18,806.22 is due at closing. Uses and sources reconcile at $349,157.34 each. Not a Closing Disclosure.