Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$256Cash toward the purchase price.
Closing costs + prepaids$12,866Not just lender fees.
Before credits & paid funds$13,122The complete starting cash picture.
Estimated remaining funds due at closing
$13,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255.78
Your down payment$255.78
Closing costs + prepaids$12,866.48
Total buyer cash needed$13,122.26
Remaining funds due$13,122.26
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%)$1,673.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$837.50
Prepaid interest, first (28 days)$1,787.26
Fees + prepaids$12,866.48
Your down payment is the seller’s equity. You take over the $334,744 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $13,122.26 is due at closing. Uses and sources reconcile at $347,866.48 each. Not a Closing Disclosure.