Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,192Cash toward the purchase price.
Closing costs + prepaids$12,666Not just lender fees.
Before credits & paid funds$13,858The complete starting cash picture.
Estimated remaining funds due at closing
$13,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,191.90
Your down payment$1,191.90
Closing costs + prepaids$12,665.87
Total buyer cash needed$13,857.77
Remaining funds due$13,857.77
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%)$1,669.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$833.50
Prepaid interest, first (28 days)$1,595.33
Fees + prepaids$12,665.87
Your down payment is the seller’s equity. You take over the $333,808 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $13,857.77 is due at closing. Uses and sources reconcile at $347,665.87 each. Not a Closing Disclosure.