Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$19,414Cash toward the purchase price.
Closing costs + prepaids$12,555Not just lender fees.
Before credits & paid funds$31,969The complete starting cash picture.
Estimated remaining funds due at closing
$31,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,414.05
Your down payment$19,414.05
Closing costs + prepaids$12,554.61
Total buyer cash needed$31,968.66
Remaining funds due$31,968.66
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%)$1,577.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$259.50
Initial HOA (3 months)$783.00
Prepaid interest, first (23 days)$1,366.18
Fees + prepaids$12,554.61
Your down payment is the seller’s equity. You take over the $315,586 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $31,968.66 is due at closing. Uses and sources reconcile at $347,554.61 each. Not a Closing Disclosure.