Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,532Cash toward the purchase price.
Closing costs + prepaids$13,063Not just lender fees.
Before credits & paid funds$25,595The complete starting cash picture.
Estimated remaining funds due at closing
$25,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,532.23
Your down payment$12,532.23
Closing costs + prepaids$13,062.65
Total buyer cash needed$25,594.88
Remaining funds due$25,594.88
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%)$1,612.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,020.75
Initial HOA (3 months)$354.00
Prepaid interest, first (27 days)$1,507.56
Fees + prepaids$13,062.65
Your down payment is the seller’s equity. You take over the $322,468 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $25,594.88 is due at closing. Uses and sources reconcile at $348,062.65 each. Not a Closing Disclosure.