Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$20,303Cash toward the purchase price.
Closing costs + prepaids$12,331Not just lender fees.
Before credits & paid funds$32,633The complete starting cash picture.
Estimated remaining funds due at closing
$32,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,302.58
Your down payment$20,302.58
Closing costs + prepaids$12,330.62
Total buyer cash needed$32,633.20
Remaining funds due$32,633.20
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%)$1,573.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$680.75
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$1,433.38
Fees + prepaids$12,330.62
Your down payment is the seller’s equity. You take over the $314,697 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $32,633.20 is due at closing. Uses and sources reconcile at $347,330.62 each. Not a Closing Disclosure.