Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$27,290Cash toward the purchase price.
Closing costs + prepaids$11,724Not just lender fees.
Before credits & paid funds$39,013The complete starting cash picture.
Estimated remaining funds due at closing
$39,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,289.74
Your down payment$27,289.74
Closing costs + prepaids$11,723.51
Total buyer cash needed$39,013.24
Remaining funds due$39,013.24
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%)$1,538.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (28 days)$1,616.95
Fees + prepaids$11,723.51
Your down payment is the seller’s equity. You take over the $307,710 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $39,013.24 is due at closing. Uses and sources reconcile at $346,723.51 each. Not a Closing Disclosure.