Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$11,455Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$23,801The complete starting cash picture.
Estimated remaining funds due at closing
$23,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,455.04
Your down payment$11,455.04
Closing costs + prepaids$12,346.38
Total buyer cash needed$23,801.42
Remaining funds due$23,801.42
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%)$3,359.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,622.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$407.75
Initial HOA (3 months)$105.00
Prepaid interest, first (27 days)$1,634.40
Fees + prepaids$12,346.38
Your down payment is the seller’s equity. You take over the $324,445 balance, so the rest of the $335,900 price is paid at closing. A second mortgage can cover part of it. $23,801.42 is due at closing. Uses and sources reconcile at $348,246.38 each. Not a Closing Disclosure.